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Does insurance cover a car that was stolen while your friend borrowed it?
If I loan my vehicle to a friend and it is stolen while in their possession, does my insurance cover it?
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
That would be an incredibly unfortunate situation, but if you have
comprehensive coverage
, the theft should be covered. However, without comprehensive coverage, you will have to pay the costs out of pocket. Typically, if your car is stolen and you have comprehensive coverage, you will be insured against theft, but it gets a bit more complicated because your friend was driving.
In this situation, your friend had
permissive use
of the vehicle. Car insurance
typically follows the car, so insurance should cover the cost, but each company is different. To better understand if you are covered in this type of situation, you should contact your insurance company and ask them directly. Policies differ, and some insurers will only extend coverage to listed drivers, so it is best to speak with your insurance company directly.
If you’re looking for a car insurance policy that is customized for you and offers all
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, download Jerry
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