(AZ) Am I allowed to drive my friend’s car for a day if I’m not listed on the insurance policy? I have a trip planned with a friend tomorrow, and since they’re not very experienced with long-distance driving, I offered to take the wheel while they ride along. However, I’m not on their insurance policy. If anything were to happen to the car, would the damage still be covered by their insurance?
(AZ) Can I drive my friend’s car for a day if I am not on the insurance policy?
In Arizona, as long as you have the owner’s permission to drive the car, you should typically be covered under their insurance policy, even if you are not explicitly listed on the policy. Most auto insurance policies have a “permissive use” clause, which allows the owner to allow someone else to drive their vehicle. However, it’s important to check the specific terms of your friend’s insurance policy, as coverage can vary between providers.
Keep in mind that if you’re involved in an accident, the owner’s insurance will likely be the primary coverage, but your friend might have to pay a deductible. Additionally, if you’re a frequent driver of your friend’s car, it’s a good idea for them to consider adding you to their policy for more comprehensive coverage.
Before you go on your trip, it might be a good idea for you and your friend to have a conversation about the insurance coverage to ensure you both feel comfortable. Safe travels!