Whose insurance should I provide?
I was driving a friend’s car and accidentally backed into another vehicle. There were some scrapes, but luckily no dents or serious damage.
My friend shared their insurance details with the other driver but is now asking for my insurance information to pass along as I was the one behind the wheel.
Since this isn’t my car, am I required to give my insurance for the claim, or does it depend on the owner’s policy?
In situations like this, it’s generally the car owner’s insurance that covers any damages in an accident involving their vehicle. Since you were driving your friend’s car, your friend’s insurance would typically be the primary coverage when it comes to claims related to the incident. However, your insurance may also come into play depending on the specifics of the situation and local laws.
Your friend is likely asking for your insurance information in case the other driver decides to file a claim against both you and your friend. This is fairly common practice, as it can help cover claims if the damages exceed what the owner’s insurance can handle.
To summarize, while the primary responsibility may fall on your friend’s insurance, it’s still a good idea to provide your insurance information as needed for the sake of transparency and to ensure all parties are covered. It’s best to check with your insurance provider or a legal expert for advice specific to your situation, especially if you’re uncertain about the implications.