Now I double-check policy details beforehand and set clear boundaries.
I've had similar headaches when lending my car for road trips. Makes me wonder—does anyone here actually call their insurance beforehand to clarify how coverage works with other drivers, or do you just risk it and hope nothing happens...?
I used to just wing it, honestly...until a friend got rear-ended with my car. Insurance was a nightmare. Now I always ask first—it takes like five minutes and saves a lot of hassle later.
Honestly, just asking might not cover everything. Even if they're insured, their policy limits could be lower than yours. I'd double-check their coverage details beforehand...sounds tedious, but it beats nasty surprises down the road.
That's a good point about checking their policy limits. I've learned the hard way that assuming coverage is equal can land you in hot water. A few years back, I lent my '68 Mustang to a buddy for a weekend cruise. Thought I'd covered all bases by just confirming he had insurance, but turns out his liability limits were way lower than mine. Thankfully nothing major happened, just a minor scrape—but even that turned into a headache sorting out whose policy would cover what.
Now, whenever someone asks to borrow one of my classics, I actually ask them to send me a copy of their insurance declaration page. Sounds overly cautious, I know, but it clearly lays out their coverage limits and deductibles. Then I can compare apples to apples and decide if I'm comfortable with the risk.
Curious though—has anyone here ever had trouble getting friends to share their policy details? Feels awkward sometimes...
I've had similar awkwardness when asking friends about their insurance details. One friend acted like I was questioning his driving skills... but honestly, as someone who's had a few claims myself, it's just about being cautious and clear upfront. Better safe than sorry, right?
