If I borrow a friend’s car and crash, whose insurance is used?

Quick Answer

In Virginia, the coverage typically follows the car. The coverage issued for the car, if the friend has permission to drive the car, will typically be the primary coverage applied if the friend is at fault for the collision. If the friend...

Full Explanation

When borrowing a friend's car and subsequently being involved in a crash, the question of which insurance is applicable arises frequently. In Virginia, the general principle is that insurance coverage follows the vehicle. If permission has been granted to use the friend's car, the driver is classified as a permissive user, and the friend's insurance policy...