If a friend borrows your car and gets into a wreck, (or if you borrow your friend's car) whose insurance pays? Most drivers believe the driver’s policy covers the damage but in auto insurance, coverage almost always follows the vehicle, not the driver.

In this episode, we break down how "permissive use" really works, why lending your keys puts your deductible and premium rates at risk, and 3 policy traps that can cause a carrier to deny an accident claim.

Key Takeaways:

• Permissive Use Explained: What happens when an occasional driver is behind the wheel of your car.

• The Financial Fallout: Why your liability pays first, your collision fixes the vehicle, and your renewal rates take the hit.

• 3 Traps That Deny Claims: Unlisted household residents, excluded drivers, and gig work / side hustles (delivery & rides ...