Some teens believe that if they cause an accident while driving a friend’s car, they will not be responsible because the car is insured by the friends’ parents’ policy. This is not always the case. In general, your child (and your auto insurance) will be primarily responsible if your child causes injury to someone or something while driving someone else’s car.
In my practice, I see teens letting their friends drive their cars and then getting into accidents. Talk to your teens about the risks involved in driving other people’s vehicles – and set firm ground rules about who has permission to drive yours.
