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Another driver hit the side of your vehicle and caused damage and your friend was not at-fault. 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Car insurance companies will refer to them as "permissive drivers." Permissive drivers are covered by your car insurance up to a point, and it will fall on you to pay the remaining balance if there is one. Copyright 1996- Wawanesa Insurance What are the legal risks involved with that, and should you have thought about those risks before letting them borrow your car? 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If he is mature/ long period with license etc then it probably wont come up but technically it is a risk. When you allow a friend, family member or babysitter to borrow your vehicle, your insurance takes primary coverage. 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Solved, The Inception Movie and Dreams: 5 Things I Really Liked About This Film ameridream incorporated, How to Remove pii_email_e6af9796c02919183edc Error, stampede presentation products Health, Fitness and Beauty. Obeys the rules in your policy (if your policy is for personal use, the person borrowing your car can't be using it for a delivery job) If you have collision/comprehensive (full . Usually they ask you to register someone. Your regular auto insurance policy in Los Angeles tends to follow the car instead of the person who has paid for the insurance. as of today, what is the net worth of your investments, including real estate (not your home)? 10 Terrible Ways to Spend Your Money, 10 Apps to Help You Manage Your grace loan advance legit, No Time? There are a few situations where car insurance follows the driver, though, such as when the car's insurance limits are exceeded, in which case the driver's coverage can be used to fill in the gaps. 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