1. Liability Insurance:
* This is the minimum required insurance in most states. It covers damages you cause to others in an accident, including their property and injuries.
* It does not cover damage to your own car if you're driving someone else's.
* You are still covered by the owner's insurance if you are driving with their permission.
2. Personal Auto Policy (PAP):
* Your own auto insurance policy might offer coverage for driving other people's cars, usually as an extension called "non-owned auto coverage".
* This coverage typically extends the same liability protection you have on your own car to any vehicle you drive with permission.
* However, it's important to check the specific terms and limits of your PAP for non-owned auto coverage.
Key Considerations:
* Always check with the car owner if their insurance covers you. They may have additional coverage you need to be aware of.
* Driving without insurance is illegal and can have serious consequences.
* If you are unsure about your coverage, it's always best to contact your insurance agent or company.
Important Note: This information is for general knowledge only and is not intended as legal or financial advice. Always consult with your insurance agent or a qualified professional for specific advice.
