Just found out that in Rhode Island, if your buddy borrows your car and gets into a fender bender, your own insurance might actually cover it. Kinda surprised me, honestly... anyone else heard about this or got more details?
Yep, that's pretty common actually—insurance usually follows the car, not the driver. But heads up, if your friend causes serious damage, your premiums might take a hit... learned that the hard way with my older brother borrowing mine once.
Had a similar thing happen to me a few years back. Friend borrowed my car for a weekend trip, ended up rear-ending someone at a stoplight. Insurance covered everything, but my rates definitely crept up afterward. Couple things I learned:
- Your insurance covers the car first, but your friend's policy might kick in as secondary coverage if damages exceed your limits.
- Even minor accidents can bump your premium noticeably.
- Always good to double-check with your insurer beforehand... saves headaches later.
Yeah, learned that the hard way myself. But here's something else to think about—if you've got a classic or vintage ride, standard policies might not fully cover its actual value. Might wanna look into agreed-value coverage instead... just sayin'.
Good points about classic cars—didn't even cross my mind. A few things I've learned from road-tripping and lending my car out:
- Insurance usually follows the car, not the driver, but coverage levels can vary.
- If your friend causes a serious accident, your premiums might go up even if you weren't driving.
- Always double-check your policy's fine print before handing over the keys... saved me some headaches on longer trips.
