However, if you're asking about human drivers, the answer is it depends:
* Your own insurance: Most personal auto insurance policies have some level of coverage for driving other people's cars. However, the limits and specifics can vary depending on your policy.
* The car owner's insurance: The car owner's insurance policy will usually provide primary coverage if you are involved in an accident while driving their car. However, this might have some limitations, like a higher deductible.
* State laws: Some states require drivers to carry their own personal liability insurance regardless of who owns the car they are driving.
It's crucial to check the details of both your own insurance policy and the car owner's insurance policy to understand your coverage when driving someone else's car.
Here are some important things to consider:
* Who is covered under the policy: Does the policy cover you as a driver?
* What type of coverage is provided: Does it include liability, collision, comprehensive, or other types of coverage?
* What are the limits of coverage: How much will the policy pay out in case of an accident?
* What are the deductibles: How much will you have to pay out of pocket before the insurance kicks in?
It's always best to be safe and ask the car owner about their insurance coverage before driving their car. You should also contact your own insurance company to confirm your coverage when driving other people's vehicles.
