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If you're the one borrowing the car, ask: Do I have permission to borrow the car? However, in certain situations their insurance may be applied as a secondary source. If the person you lend your car to is found to be at fault in an accident, other people could file a claim against your insurance. Whats Holding Back the craigslist iphone 5 s Industry? Does your insurance policy allow you to let them drive it? When your friend or family member was at fault for an auto wreck while driving your car, the first aspect of legality will rely on whether or not they were driving your car with your permission. 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