"It's awkward to ask to see your friend's driver's license, but then again you're trusting someone with your car, and if they wreck and there's no coverage, you're the one who's going to be responsible," Gusner says.
5. Exclusions for doing business
Many policies exclude coverage for any business use of the vehicle, Wilson says. Borrowing someone else's car won't help either - their personal auto policy likely won't cover your business use. In addition, many policies exclude coverage for pizza or other delivery. "Imagine how many pizza delivery drivers are on the road tonight without insurance," Wilson says. "This exclusion could apply to all kinds of exposures, from delivery [of] newspapers to Mary Kay cosmetics."
6. Restricted coverage for car theft
Some policies exclude coverage for theft without any evidence of forced entry, Wilson says, and some don't offer coverage for upgraded and custom equipment. That can be a problem if you've made some after-market modifications to your vehicle. Wilson recommends working with an agent who understands your needs and can explain the differences between policies.