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Hey, Seattle! Does Your Policy Cover Friends Driving Your 2018 Nissan Murano?
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(Posted on Jul 30, 2018 at 09:57PM by Kiera Dailey)

Dear Kiera,

My friend borrowed myÂ Nissan Murano last week, and he had a little fender bender. Is the accident covered by my insurance?

Thank you!

Claudia

I'm sorry to hear about the accident (and I hope your friend is doing well).

While I canâ€™t answer questions about specific coverage, I can certainly point you in the right direction. Youâ€™ll be happy to know that itâ€™s likely the insurance company will treat the incident much the same as if you had been behind the wheel.Â Generally, designated drivers (yourself and anyone who takes your car for a spinÂ withÂ your permission) are protected.

Each insurance policy covers different things:

Liability insurance (required by most states) follows the driver, regardless of whether you're behind the wheel of your own vehicle or a friend's. That means you're probably protected under your own policy. But, if the car is regularly available to you, coverage may be excluded.
Collision coverage deals directly with the vehicle. This means your carrier will help take care of the cost of damage done to the car during an accident or vandalism.Â
Comprehensive insurance takes care of most things but often requires many pre-conditions (for example, you must name approved drivers). If such stipulations aren't met, damage to yourÂ vehicle may not be covered.

Ultimately, each policy is different. The best thing to do is reach out to providers and go over the specifics of your coverage.

I hoped that help to quell some of your anxieties! Let me know how it goes.