The Proper Way To Let Others Use Your Car

If you own a car, and you have family members or friends who do not own a car, you have probably been asked a time or two if someone can borrow your car. It can sometimes feel like you are in a sticky situation, so it would be a good idea to have some ground rules set ahead of time that can help you make the decision whether or not to allow someone else to borrow your car. This way you can let the facts make the judgment call, and not have to feel like you are taking it personally.

So, what type of things should you have on your list, in order to help you decide whether or not to lend your car to any specific person. The most important consideration you need to make about lending out your car, is whether or not your vehicle will still be protected by your car insurance if there is an accident while someone else is driving. Ultimately your car insurance is supposed to protect your car regardless, but many policies are only enforced when a qualified driver is in the driver’s seat. A qualified driver is one who is included on your policy. It would be a good idea to call your insurance agent and find out whether or not your policy will remain intact and in effect if someone else is driving your car. If it won’t, you should not lend your car to anyone, it is simply not worth the risk.

Driving record is another thing to consider when someone asks to borrow your car. For example, has this person had a lot of speeding tickets? Have they been in an accident, or multiple accidents? Obviously, if someone is going to be driving your car, you want it to be as safe as possible. Even if your car insurance does cover guest drivers, an accident is never fun, and always a huge inconvenience, and there will be some expense involved. Choose those who have a great driving record and follow the speed laws to lend your vehicle to. It should go without saying that you should never lend your vehicle to someone who doesn’t have a driver’s license.

If your friend or family member needs a car, it is good practice to ask them why they need it, where they will be going, and what they will be doing. You have a right to know these things before lending out such and expensive possession. The reason you want to know these things is not to be nosy, it is to protect yourself and your car. If the person is planning to go to a party where there is likely to be a lot of alcohol, it would probably be a good idea not to hand over the keys to your car. The last thing you need is someone having an accident in your car that involves drunkenness.

In the end, all of these things can be a good guide to who should, and who should not, be allowed to borrow your car. However, what it really comes down to is you. If you feel uncomfortable about it for any reason, simply say no. It is your car, it is your decision.

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