06/23/2026
Your friend borrows your car. Then crashes it.
So… who’s responsible?
In many cases, insurance follows the car, not the person driving it.
Which means even if you weren’t behind the wheel, your insurance may still be involved.
But (because legal answers love nuance) every situation is different.
Who owns the car, who caused the crash, insurance coverage, permissions, and other factors can all matter.
The takeaway?
Before tossing someone your keys, make sure you understand what your policy actually covers.
Because a quick favor can get complicated fast.
📞 Questions after a crash? Rosenberg & Gluck is here to help Long Islanders understand what comes next.