How well do you trust your friend? What is his or her driving record? Do she hold a valid driver’s license? Does he have his own car insurance? While you can start by asking those questions, some aspects are out of your control!
If your friend had an accident while borrowing your car, you could be liable and possibly would need to file a claim on your insurance policy. When that happens, any deductible becomes your responsibility.
If your friend doesn’t carry auto insurance and/or the damage is higher than your policy limits, you could face the possibility that your friend or another injured person expects you to pay medical bills and property damage costs.
Before loaning someone your vehicle long-term, consider adding her as a additional driver on your policy. Because state laws and policies vary, the best advice is to ask us before you hand over the car keys!