When you borrow someone's car and wreck it, you have the option of letting your automobile insurance pay on a primary basis for the accident.

Name: When you borrow someone's car and wreck it, you have the option of letting your automobile insurance pay on a primary basis for the accident.
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Your automobile insurance typically acts as secondary coverage when you borrow someone else's car, meaning the car owner's insurance is primary and yours may cover any remaining costs.

When You Borrow Someone's Car and Wreck It, You Have