My husband borrowed a car of ours titled in my name to friends of ours who are going through bankruptcy, what happens if they are in an accident? 
f they are in an accident you are liable for the damage if your friend wrecks and hit someone . You need to list them as drivers on your policy along with the car . Depending on how long this `` borrowing '' lasts . Montana is a permissive use policy state so if you borrowed a car to someone then they got into an accident your insurance has to cover it unless you do not have the car on the insurance policy but you also are required to have your cars insured . Now if your friends are only borrowing for a week or two then there is n't a needed to add then to your policy Hope this helps 