Ask the Car Insurance Expert
I was in an accident in a friend’s car. I gave the police officer my friend’s insurance and my license and everything went smoothly. Does this mean that I am covered by their insurance?
Yes, the accident would be covered by the friend's insurance, even if you were the driver. Don't be surprised if your friend stops returning your calls and texts, though, if his insurance rates go up because of the accident you caused.
Here's why we usually say don't let other people drive your car.