My husband borrowed a car of ours titled in my name to friends of ours who are going through bankruptcy, what happens if they are in an accident?

I gave them the option of buying the vehicle or adding the guy that is driving it to our policy. they have ignored that option and have not contacted us.

  1. 2210 POINTS
    Brenda Hanson
    Vice President/Agent, Best Rates Insurance Inc, Kalispell Montana
    f they are in an accident you are liable for the damage if  your friend wrecks and hit someone. You need to list them as drivers on your policy along with the car. Depending on how long this "borrowing" lasts.  Montana is  a permissive use policy state so if you borrowed a car to someone then they got into an accident your insurance has to cover it unless you do not have the car on the insurance policy but you also are required to have your cars insured.
    Now if your friends are only borrowing for a week or two then there isn't a needed to add then to your policy
    Hope this helps
    Answered on October 25, 2013
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