09/03/2026
You do not need to perform an insurance background check every time someone asks to borrow your vehicle.
Start with three questions:
Who will be driving?
Do they live with you? Are they listed or excluded? Do they already use the vehicle regularly?
How often will they use it?
Is this a one-time favor, or is the vehicle becoming part of their normal routine?
Why are they driving?
Are they running a personal errand, commuting to work, visiting customers, making deliveries or transporting passengers?
If the situation is anything beyond truly occasional personal use, it is worth asking how the policy handles it.
Learn more about who's covered under your auto insurance.
https://abbottkc.com/sure-you-can-borrow-my-car/