Can you drive someone else’s car regularly?


When you are not the registered owner of a car you are driving, there are certain risks for the legal owner of the vehicle.

Driving someone else’s vehicle and car insurance

It’s fine to drive someone else’s car, even regularly, since you don’t need to be the registered owner to drive it. However, some things can get tricky with accident insurance coverage.

In many cases, auto insurance is tied to the vehicle itself, not the driver. This means that if you regularly drive someone else’s car (with permission) and have an accident, the owner of the vehicle would be impacted if they have the insurance.

The car owner and the auto insurance policy holder is the one who will have to file the claim, face increased rates and pay deductibles.

Driver’s insurance should extend to anyone else who drives that vehicle and anyone registered as a driver. However, if you regularly drive someone else’s car, say your grandmother’s car, you might be the one carrying and paying for the insurance.

Most insurance companies allow someone other than the car’s legal owner to purchase insurance, but check with your provider and state laws to be sure.

No-fault auto insurance states

Keep in mind that states vary in their laws regarding accidents and insurance. Twelve states are “no-fault” states, meaning their insurance coverage must include Personal Injury Screening (PIP) and their insurance covers their own injuries and damages, regardless of who caused the accident. .

So if you live in a no-fault state and have an accident while driving someone else’s vehicle, the owner’s insurance policy will be charged, even if the accident was not your fault.

What if we both had auto insurance?

If you have your own auto insurance policy, but are involved in an accident with someone else’s vehicle, the owner’s auto insurance is used first for claims and damages. Your policy would likely act as secondary coverage and could potentially be used to cover any remaining damage not covered by the homeowner’s insurance policy.

What happens if I receive a ticket in someone else’s car?

As a general rule, the vehicle owner will not be affected – tickets are related to the driver, not the car. So if you receive a ticket while driving someone else’s vehicle, it will be listed under your driver’s license.

If you have your own auto insurance and get a traffic ticket in your grandmother’s car, your insurance premiums could go up. Check with your state and insurance company policies to find out what can happen if you get a ticket while driving someone else’s vehicle.

Ready to get your own vehicle?

If you’ve driven someone else’s car and you’re ready to get your own, start with us at Auto Express Credit.

Borrowers with less than perfect credit sometimes feel like they can’t be approved for a car loan, but there are lenders for all types of credit situations. Financing dealerships are registered with bad credit car lenders who look at more than credit scores and reports, and we can connect you with a dealership near you that has these resources.

Get started now by filling out our free auto loan application form, and we’ll find a dealership in your area that has the bad credit loan options you need to start your car buying journey.


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