can you borrow someone's car

[OAlexis]

Yes, you can borrow someone's car, but it's not as simple as just taking the keys. The most critical factor is explicit permission from the owner. Beyond that, your ability to drive the car legally and safely hinges on three main pillars: having your own valid driver's license, ensuring the car is properly insured, and understanding your responsibilities as a borrower.

The insurance question is often the most complex. In most states, car insurance follows the vehicle, not the driver. This means the owner's insurance policy is typically the primary coverage if you get into an accident. However, there are major caveats. If the owner's policy has lapsed or has very low coverage limits, your own auto insurance may serve as secondary coverage. If you don't own a car and therefore don't have your own insurance, you are driving entirely under the owner's policy, making it even more critical that their coverage is adequate.

Scenario	Primary Insurance Likely Comes From...	Key Consideration
Permissive Use (Common)	Car Owner's Policy	Most standard policies cover occasional borrowers. The owner must confirm this with their insurer.
Excluded Driver	Possibly None/High-Risk Pool	If the owner has specifically excluded you from their policy, you are likely not covered to drive their car.
Your Insurance is Superior	Your Own Policy (as Secondary)	If damage exceeds the owner's policy limits, your insurance may cover the gap.
Commercial Use (e.g., delivery)	Special Commercial Policy	Personal auto policies almost never cover using the car for commercial activities.
Owner's Policy Lapses	Uninsured Motorist Coverage	You could be held personally liable for all damages.

Before you drive, have a frank conversation with the owner. Ask specifically about their insurance coverage and any rules they have for their car. Return the car with a full tank of gas, clean, and in the same condition you received it. This builds trust and makes it more likely you can borrow it again. Remember, you are responsible for any parking tickets or traffic violations you incur while using the vehicle.

[VanLucy]

Sure, but always ask first—no surprises. Make sure you're on their insurance plan or that their policy covers occasional drivers like friends. I never borrow a car without checking for any little quirks, like a sensitive brake or a tricky gas cap. The golden rule? Bring it back with more gas than it had when you got it. It's just good manners and shows you appreciate the favor.

[HavenRose]

From a legal standpoint, permissive use is key. You must have the owner's consent. Your driver's license must be valid. Crucially, insurance primarily follows the car. If an accident occurs, the owner's policy is first liable, which could increase their premiums. If you use the car for a prohibited purpose, like business deliveries, coverage may be voided. You assume liability for any fines or tolls incurred during your use.