* Liability Coverage: If you cause an accident while driving someone else's car, their insurance may not cover you. You'll need your own liability coverage to protect yourself from financial ruin in case of injury or damage to others.
* Personal Injury Protection (PIP): This coverage helps pay for your medical expenses if you're injured in an accident, regardless of who was at fault.
* Collision and Comprehensive Coverage: These coverages can help pay for repairs or replacement of the car you're driving if it's damaged in an accident or by something other than an accident (like hail or theft).
However, there are some exceptions:
* The owner's insurance may cover you: Some insurance policies cover other drivers who have permission to use the car. Check the policy details or contact the insurance company.
* You may be covered under your own policy: If you have your own car insurance, it might extend coverage to you when driving other vehicles. This varies by policy, so confirm with your insurance company.
* The car may be covered by a business policy: If the car belongs to a business, it may have its own insurance policy that covers authorized drivers.
In summary:
* It's always best to be safe and have your own car insurance.
* Check with the car owner's insurance policy or your own to confirm coverage.
It's important to remember that laws and insurance policies vary by state and company. Contact your insurance provider or a licensed insurance agent for the most accurate and up-to-date information.
