Share: ... What may not be obvious is that ‘possession’ of a car is not the same as driving a car. If I was the driver of my friend's car who didnt have insurance, would my insurance pay the property and liability damage of the vehicle I hit? Before you hand over the keys, remember that as the owner of the vehicle you have a lot to lose if something goes wrong. Would my insurance company then subrogate against my friend (who didnt have insurance). .....or my friends like i have the license but wht about the insurance? To provide every customer with affordable, understandable insurance solutions.We’re open for business and accepting customer appointments. But, before you hand over the keys, you should understand the possible implications on your car insurance.The short answer is yes. However, there are other ways for accident victims to get compensation in these cases and our lawyers can help.

Intact Clients - Access your policy documents, billing statements and claims info online, anytimeIt’s a question that comes up all the time, “can someone else drive my car under my auto insurance policy?”Maybe you have a relative coming in from out of town, or your best friend just needs to borrow your truck for a couple hours to move some furniture. Coverage from your insurance applies while someone is using your vehicle. The law here goes back to 1933 when the Ontario Court of Appeal made a distinction between possession and operation of a vehicle.The case involved a rental car and a written agreement that no one other than the renter would d rive the car. Now my question is whts the rule or law of driving someone elses car .....like what if i want to drive my uncles car ? In one case, the owner was sleeping in the car when his friend decided to drive the car (without the owner’s knowledge or consent) and got in an accident. Have a question about your car insurance policy? Instead, the renter was a passenger while his friend drove and subsequently crashed the car. Call 1-888-234-3247 or The most common scenario is where the person originally given consent to drive the car lets someone else drive while remaining a passenger. This is assuming I was at fault in the accident. Either way, lending your car to someone else is not uncommon. However, if it’s clear you did not allow someone else to drive your car and an accident happens, one of a few scenarios could occur: Theft: If someone steals your car and causes an accident, you won’t be liable for damages/injuries to the other vehicle/driver.

Whether you are in a rental car or driving a friend’s car, your insurance doesn’t necessarily follow you as a driver. It is commonplace to lend your car to family members, but if they ignore your instructions or rules, you may still be responsible for an accident.What may not be obvious is that ‘possession’ of a car is not the same as driving a car. Remember, they must meet the criteria mentioned above. Physical damage: A non-owner policy never covers physical damage on any vehicle. There are some additional things you’ll want to consider before you let someone else drive your car.Lending your pick-up truck to a friend for a few hours to move a couch is a lot different than letting him borrow your car to go to work once a week. So, not only could you be on the hook for paying the deductible on the claim, you could also be risking your good driving record and claims history.

The BrokerLink companies are subsidiaries of Please continue to reach us by phone at In this situation, the owner is almost always responsible for the negligence of the driver, even though the owner did not agree to let that person drive and, in many cases, did not even know the person was driving.Finally, there are rare cases where the owner is present but the driver has no consent to possession. This field is for validation purposes and should be left unchanged. In Ontario, car insurance coverage typically follows the car and not the driver, which means if the person driving your car makes a mistake it could be you that ends up paying for it. When in doubt, it’s always a good idea to check with your insurance broker. It’s called material misrepresentation.

Buckley Insurance Brokers is a BrokerLink company. 4 years ago. The rental company tried to deny responsibility, but the court found that so long as the original renter remains in possession at the time of the accident, the owner is responsible under the Highway Traffic Act. Other cases have seen owners jump into their cars while being stolen, with the courts ruling that thieves had no consent to possession. Possession simply means having the car in your custody. And it will result in denied claims and/or policy cancellation.So before you let someone else drive your car, make sure they understand the impact it could have on your car insurance.