1. Your own car insurance:
* Liability coverage: Your own car insurance will usually cover you for liability if you're driving someone else's car, but this depends on your specific policy.
* Collision and Comprehensive: These coverages generally only apply to your own car. If you're driving someone else's car and get into an accident, your collision and comprehensive won't cover the damage.
* Check your policy: The best way to be sure is to review your own car insurance policy. Look for sections about "non-owned vehicles" or "permissive use" to understand your coverage.
2. The other person's car insurance:
* The other person's liability insurance will be the primary coverage for any accidents you cause while driving their car.
* Their collision and comprehensive coverage will be used to repair or replace their car if you damage it in an accident.
3. Other factors:
* The state you're in: Some states have "financial responsibility" laws that require all drivers to have some minimum insurance coverage, regardless of who owns the car.
* The specific circumstances of the accident: If you are at fault for an accident while driving someone else's car, your insurance might cover the damages even if their car is covered under their own policy.
* The other person's permission: You must have permission from the owner of the car to drive it. If you're driving without permission, you may be in violation of the law and your insurance may not cover you.
In Summary:
It's best to check your own car insurance policy to understand your coverage for driving other vehicles. You should also confirm the details of the owner's insurance policy for any potential claims. While your own insurance may provide some coverage, it's generally the owner's insurance that takes priority when you're driving their car.
Remember, it's always better to be safe than sorry. If you're unsure about your coverage, contact your insurance agent or broker for clarification.
