Yeah, seen this happen a lot. Most policies have sneaky clauses about unlisted drivers or permissive use. Always worth double-checking your fine print...insurance companies aren't exactly charities, lol.
"insurance companies aren't exactly charities, lol."
True, but to be fair, insurance companies are pretty clear about permissive use clauses—they're usually right there in the paperwork. I learned the hard way after lending my car to my cousin once...ended up paying out-of-pocket for minor damages. Since then, I've found it smarter (and cheaper) to add frequent drivers as occasional users upfront. It's a small fee compared to potential headaches later on.
Yeah, permissive use clauses can definitely catch you off guard if you're not careful. Had a similar experience myself—lent my car to a coworker for a weekend trip, and he ended up scraping a curb pretty badly. Thought my insurance would cover it, but nope, ended up footing the bill myself. Ever since then, I've been extra cautious about who I lend my keys to...cheaper to be cautious upfront than deal with surprises later.
"Thought my insurance would cover it, but nope, ended up footing the bill myself."
Yeah, insurance fine print can really bite you when you least expect it. Had something similar happen a while back—not with lending my car, but borrowing one. My sister lent me her car for a quick grocery run when mine was in the shop, and of course, that's when someone backed into me in the parking lot. Thankfully it wasn't major damage, just a cracked bumper, but figuring out whose insurance covered what was a total headache. Ended up splitting the repair cost just to avoid the hassle.
Since then I've been pretty wary about borrowing or lending cars...just doesn't seem worth the potential trouble. Curious though, do you guys usually check your policy details beforehand, or just wing it and hope for the best?
Yeah, insurance fine print can really bite you when you least expect it.
Honestly, I never bothered checking the fine print until it bit me hard. Lent my '68 Mustang to a buddy for a weekend cruise, and he ended up scraping the side panel pretty bad. Thought it'd be covered, but nope—turns out my classic car policy had some weird clause about non-listed drivers. Lesson learned the expensive way... now nobody touches my ride but me.
