Liability when loaning a vehicle to a fully insured individual

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: May 3, 2016

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Berryville, VA

Asked on 05/03/2016

Liability when loaning a vehicle to a fully insured individual I loaned my truck to a friend after having confirmed that he is 100% fully insured.He backed into a municipal light pole and it fell down (no damage to my truck).I've always thought that if you loan a vehicle to a person who is fully insured, then THEY are liable through their insurer for any damage to your vehicle or any other property while the vehicle is under their control. The friend is willing, but my insurance is not. The City who owns the pole is seeking to recover from ME and my insurance, How can I best handle this?

Answer given on October 01, 2016

When there is an automobile accident, the insurance follows the car no matter who is driving. Even though your friend has his own insurance, it would not apply in this incident. In the case where your friend was using your truck and struck a pole, the damage to the pole is covered under your policy.Since you were not driving and the friend is not listed on your insurance policy, your insurance rates should not be affected by this claim. Contact your insurance company to have them settle the damages and costs for the light pole. If you continue to hear from the city about the pole, give them your insurance company information and claim number if you have it. They will then settle the claim with the company.If there is a report on this incident, your friend’s insurance may be affected depending upon the amount of damage. It can be considered an at fault accident which may increase his premium.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption