“Can my friend borrow my car?”
- Tamara Champagne
- May 5
- 1 min read
Most people assume their friend’s insurance would cover an accident—but in Michigan, that’s usually not how it works.
What to Know Before Lending Your Car
In Michigan, insurance usually follows the car
Your policy is typically primary
You pay your deductible if there’s a claim
Your rates could be affected
If your friend rear-ends someone and the repair is $2,800, and you have a $500 deductible—you’re responsible for that $500. Their insurance may not come into play for smaller claims.
Not sure how your policy handles permissive drivers? It’s worth checking with your agent before you hand over your keys.
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