When I am visiting a friend in Indialantic, Florida I will need to borrow their car; will their auto insurance cover me?

First and foremost your friend needs to check with their insurance company or agent prior to loaning out the car to know if their particular policy will cover you while driving their car. In most cases, the answer depends on what you are using it for, how often, and how long you are using it for.

How often: If you only borrow your friends car occasionally, for instance once a month, your friends policy will most likely cover you while driving the vehicle.

How long: If you are borrowing your friends car for a day or two, this is probably not considered regular or frequent. Say you need to use your friends car for a longer length of time like several weeks; in this case you most likely would be considered a regular user and may need to be added to your friends insurance policy.

What for: Consider that if you use your friends vehicle to conduct any business you will need to make sure the vehicle is covered under a commercial auto or business insurance policy. Typically, personal auto policies will not cover anyone for conducting business with their vehicle.

All auto policies have long lists of circumstances that are not covered. Make sure you check with your agent or company to see what is or is not covered before you borrow a friends vehicle.

NOTE: The answers to coverage questions are primarily based on ISO forms generally used in Florida by most companies. However, please keep in mind that all companies forms are NOT necessarily the same. Some companies may provide broader coverage and some may be more restrictive. IN ALL CASES, THE CONSUMER MUST REFER TO HIS OR HER OWN POLICY FOR SPECIFIC COVERAGE INFORMATION.

F.A.Q - Questions And Answers about Florida Insurance

PRIVACY POLICY

The privacy of our website visitor’s and our client's is very important to our company. We will respect your privacy and we will not share your information with advertining or marketing companies, and will not sell your information to any mailing lists. We only share your personal information with the companies and the individuals that are necessary in performing our business duties in acquiring and in servicing your insurance needs. Please feel free to contact us immediately if you have any questions about your privacy.

TERMS AND CONDITIONS OF USE

Information contained within this site is the property of Hoffman and Associates Insurance Company and is provided for consumers looking to purchase insurance. Any other use is prohibited. We are not responsible for errors and omissions on this web site. All information contained herein should be deemed reliable but not guaranteed, all representations are approximate, and individual verification is required. Please contact Hoffman Insurance Company at 321-751-2511 before making any purchase decisions based on information contained on this web site to check for validity. This content is copyrighted by Hoffman and Associates Insurance Company and will bring legal action on to anyone who copies the information contained here. PLEASE NOTE THAT COMPLETION OF A REQUEST FOR INFORMATION DOES NOT CONSTITUTE THE PURCHASE OF INSURANCE. NO COVERAGE MAY BE ADDED, CHANGED OR BOUND AS A RESULT OF SUBMITTING A REQUEST FOR INFORMATION. ALL COVERAGE MUST BE CONFIRMED BY THE AGENCY IN WRITING SUBJECT TO AN ACCEPTABLE SIG NED APPLICATION MEETING THE UNDERWRITING GUIDELINES OF THE INSURANCE COMPANY. Please read your policy carefully for your terms of coverage. No information in this website alters the terms of coverage in your individual policy. If you do not agree to these terms please exit this website

Share