I hear ya on setting clear expectations upfront—definitely saves a lot of awkwardness later. But honestly, I wouldn't even bother temporarily adding someone unless they're borrowing your car regularly. I lent my car to a buddy once for a weekend trip, and he ended up scraping a curb pretty bad. Thankfully, he covered the deductible without any fuss, but my insurance still gave me the side-eye for months afterward.
From what I've seen, even temporary additions can trigger premium hikes, especially if your friend isn't exactly a model driver. And let's face it, most of us have at least one friend whose driving makes us grip the door handle a little tighter...right? I'd say stick to your guns about the deductible thing, but maybe skip the temporary addition unless it's a frequent arrangement. Your wallet will thank you later.
I get your point, but honestly, I've had pretty good luck with temporary additions. Last summer my friend borrowed my car for a cross-state road trip; I temporarily added her just to keep things legit. It cost me like $20 extra for the week—no biggie—and when she got a flat tire, insurance covered roadside assistance without any hassle. Might depend on your insurance provider, but I wouldn't completely rule it out...sometimes that peace of mind is worth a few extra bucks.
"Might depend on your insurance provider, but I wouldn't completely rule it out...sometimes that peace of mind is worth a few extra bucks."
Fair point, but from experience, temporary additions can get tricky if something bigger happens. Had a client whose friend rear-ended someone—coverage got complicated fast. Definitely check your policy carefully before lending your car out.
Yeah, I've seen similar situations happen. Had a friend who lent her car to her cousin for just a weekend... and bam, fender-bender. Sorting out coverage wasn't fun—definitely worth double-checking your policy details beforehand.
"Sorting out coverage wasn't fun—definitely worth double-checking your policy details beforehand."
True, but honestly... even with a solid policy, lending out a classic is always dicey. Ever consider just politely declining? Might save a lot of headaches down the road.
