Hammed Ibrahim

Borrowing a friend’s car feels simple — but insurance responsibility isn’t always obvious.
In most cases, the car’s insurance is primary, not the driver’s personal policy.
If coverage limits are low, you could be personally liable for damages or injuries.
Some policies exclude regular or undisclosed drivers, which can lead to denied claims.
Before borrowing keys, know the coverage — good intentions don’t replace proper insurance.

Borrowed Car, Borrowed Risk

Driving, freelancing, selling online, or consulting? Your side hustle may change your insurance needs.
Many personal policies don’t cover business activity — even part-time work can create gaps.
Auto, home, or liability coverage may be limited or denied if an accident happens while earning income.
Simple solutions exist: endorsements, riders, or small business policies can fill the gap affordably.
If you’re making extra cash, make sure your insurance is working just as hard as you are.