I do not know how it is in every state but in California the issue is liability. All the insurance in the world won't help you avoid the hassle of being held libel for any accident or deaths they may occur while your friend is driving your vehicle.
When I was 18, I was on a jury that heard a case when a guy loaned his friend his car and even though he was not the driver he sit right next the his friend the driver when being sued in court. I learned from that, never loan out your vehicle.
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Randy & Kathy
2004 Southwind 37A
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