Imagine your insurance is the lead singer. Your friend’s insurance is the backup dancer. If you crash, your policy pays first. Then—if costs are still crazy—your friend’s policy kicks in.
But here’s the twist: your deductible still applies. So you’re paying that $500 or $1,000 out of pocket, even if your buddy was driving. Ouch. It’s like lending your guitar and having to fix the broken string yourself.
Funny Detail: The “Excluded Driver” Trap
Some policies let you list excluded drivers. That’s “the person you hate.” If you borrow your car to your ex (big mistake) and they crash, your insurance laughs in your face. Zero coverage. They’ll call it “fraud.” Seriously.
Does auto insurance cover someone else driving my car? | AutoInsurance.org
So if you’re adding someone to your policy who’s a bad driver, think twice. Or just never lend them your car. Ever.
