friend borrowed your car in NH? better check your insurance coverage

Yeah, insurance in NH can be a bit tricky with borrowed cars. Basically, your car insurance usually follows the vehicle, not the driver. So if your buddy crashes your ride, your policy kicks in first. But here's the catch - if the damages exceed your coverage limits, that's when things get messy. Your friend's insurance might step in as secondary coverage, but only if they have their own policy and it's set up to cover borrowed vehicles.

I learned this the hard way a few years back when my cousin borrowed my old Civic and rear-ended someone at a stoplight (classic move, right?). My insurance covered most of it, but I still ended up paying out-of-pocket for some repairs because my coverage wasn't high enough. Lesson learned: always double-check your liability limits and maybe think twice before tossing your keys to that friend who drives like they're auditioning for NASCAR...

Had a similar scare myself when my roommate borrowed my Corolla. Thankfully, no NASCAR moves, but he did clip a curb pretty hard - ended up bending the rim. Insurance didn't cover it since the deductible was higher than repairs. Definitely pays to know your coverage limits beforehand...

Had a similar situation a while back - friend borrowed my Civic and ended up scraping the bumper pretty good. Learned a few things from that experience:

- Always double-check if your policy covers occasional drivers or if they're specifically excluded.
- Look into lowering your deductible if you frequently lend your car out (though it might bump up premiums slightly).
- If repairs are minor, sometimes it's cheaper to handle it yourself rather than involving insurance and risking higher rates later.

Definitely pays to read that fine print ahead of time...

Good points made above, especially about deductibles. Recently bought my first policy and spent a lot of time asking questions about this exact scenario. A few things I learned:

- NH usually follows the car, not the driver, meaning your insurance kicks in first if someone else drives your vehicle.
- Some policies have exclusions for certain drivers or situations - definitely worth checking.
- Adding occasional drivers can bump up your premium a bit, but might save headaches later.

Wish I'd known this stuff sooner...

Yeah, insurance is one of those things you don't really think about until you need it. Good on you for digging into the details early - most people just skim the fine print and regret it later. Learned the hard way myself when my brother borrowed my car and got into a fender bender... wasn't covered because he was specifically excluded. Lesson learned, I guess. You're ahead of the curve already, trust me.

"Learned the hard way myself when my brother borrowed my car and got into a fender bender... wasn't covered because he was specifically excluded."

- Yeah, been there myself - insurance companies love their fine print.
- Honestly, I never thought twice about coverage until I got labeled "high-risk" after a speeding ticket. Now I'm paranoid about every detail.
- Props to you for actually checking ahead of time. Most people (me included) just assume they're covered until reality hits.
- Better safe than sorry, especially when lending your ride out... trust me, you don't wanna learn this stuff the hard way.