# General auto insurance question

**URL:** <https://boards.straightdope.com/t/general-auto-insurance-question/78618>\
**Category:** Factual Questions\
**Created:** [August 28, 2001, 10:55pm UTC](https://boards.straightdope.com/t/general-auto-insurance-question/78618 "2001-08-28T22:55:13Z")\
**Posts on this page:** 2\
**Page:** 1

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**Author:** ![bernse](https://avatars.discourse-cdn.com/v4/letter/b/a9a28c/32.png) [@bernse](https://boards.straightdope.com/u/bernse)\
**Post date:** [August 28, 2001, 10:55pm UTC](https://boards.straightdope.com/t/general-auto-insurance-question/78618/1 "2001-08-28T22:55:13Z")

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I have my own vehicle and insurance.

Lets say I borrow a co-workers vehicle and get into a wreck. Who’s insurance covers it if I am at fault? My own or the owner of the truck that I borrowed?

Say a person who borrows the truck does not have their own vehicle/insurance but is licensed, and they get into a wreck. Does the owner of the truck cover it? Or are the screwed?

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**Author:** ![ModernRonin2](https://avatars.discourse-cdn.com/v4/letter/m/c37758/32.png) [@ModernRonin2](https://boards.straightdope.com/u/ModernRonin2)\
**Post date:** [August 28, 2001, 10:58pm UTC](https://boards.straightdope.com/t/general-auto-insurance-question/78618/2 "2001-08-28T22:58:11Z")

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But I think most car insurance policies include something about temporarily loaning the car to an friend or relative. And I think your car insurance covers your car even if it’s on temporary loan to someone.  
-Ben