My friend borrowed my truck to move his stuff from his apartment. He ran into wall. whose insurance co is responsible. we both insured same ins co.

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: Dec 17, 2013

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 Jacksonville, FL

Asked on 12/17/2013

My friend borrowed my truck to move his stuff from his apartment. He ran into wall. whose insurance co is responsible. we both insured same ins co. NULL

Answer given on December 21, 2013

In auto insurance, the insurance follows the car. Even though your friend was driving your truck, your insurance will handle the claim for the damage to the wall as well as to your truck.If you have collision insurance on the truck, then your insurance company will pay for the damages, less your deductible. If you don’t have collision coverage, there is no coverage for the damages. However, if there was damage to the wall, your insurance will pay for this damage in full.Go ahead and file the claim if you have the collision insurance. This will not affect your rates since your friend is not listed as a driver on your insurance policy. However, if the damages exceed a certain limit, usually around $750, your friend’s insurance could go up for an at fault accident, if the insurance company finds out about the accident.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of 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 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 to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption