Do I need extra insurance when I borrow friends RV?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 6, 2012

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Insurance Question from Cottonwood, CA

Asked on 03/06/2012

Do I need extra insurance when I borrow friends RV? Our friends have insurance and can add me ad a temp driver but do I need to add their motorhome to my insurance?

Answer given on March 07, 2012

If you are borrowing a vehicle and the owner can add you to their insurance policy, then that is all that needs to be done. Insurance follows the vehicle, not the driver, so the owner of the vehicle is responsible for any accident that may occur during the use of the vehicle by another driver. If such an accident occurs, the owner of the vehicle will not have their rates affected. The driver who is at fault will have the accident on their record and the rates for their insurance could go up.You cannot insure the vehicle as you have no ownership of the vehicle, so there is no insurable interest in it. Your agent should be able to confirm this for you. However, if there is a serious accident and the insurance on the vehicle is not sufficient, your insurance could come into play for the settlement, presuming the accident is your fault.

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