Car borrowed long term

Car insurance follows the car not the driver.

It's not that simple.

1- Insurance on the car (collision and theft) follow the car. Because it is what it being insured.

2- Liability insurance follows the driver. Because their actions are what's being insured.

3- Most policies have various levels of "incidental" use provisions. If I let a licensed, but uninsured, driver borrow my car, he is sort of grandfathered into my policy. But that probably doesn't count for 9 months worth of use. Probably what you'd have to do it add him into your policy as a user of the vehicle.

3b- Similarly, if I am an insured driver and I borrow a car that has no insurance whatsoever going on, my liability will be covered by my policy. But that car will not be covered.

4- If the car is going to be "living" with him, you might need to update your policy to show where its garaged location is.

posted by gjc at 5:23 PM on March 31, 2009

 

source: https://ask.metafilter.com/118253/How-to-let-someone-borrow-your-car-for-an-extended-period

Inspirational people

I have met many inspirational people in life and I'm gonna record one of them down today.

It's a guy called Larry. He refurbishes bikes and sells them on Craigslist. 

He is retired and he fixes bikes because he'd love to see more youth out there biking instead of being on their phones inside all day. I really admire his intention. He has 4 children of his own and has fostered 12 children before. Very much respect for him and very much inspiration from him. 

He brought 2 bikes to let us test ride. We used the parking lot at Costco:) We end up settling on the bike that's not on the Craigslist post above. It's a blue one and on the sitting cushion it writes Schwinn. It's a bike brand that I learned today. I would say out of all the posts I browsed on Craigslist today, 3/5 are of that brand. Anyways, he let me know that he drives a red and black Chevy pickup so it was easy to spot! And thank God that the bike fits just fine in the Accord! I didn't even need to take the cushion off to fit it in. Of course it was because Larry helped us get it in. If it were just me, I probably would take a much longer time to figure it out.