Auto insurance policies typically provide coverage for the policyholder and any authorized drivers while operating the insured vehicle. However, coverage may vary depending on the specific terms and conditions of the policy, state laws and the type of accident.
- For personal auto insurance policies , coverage may generally extend to the policyholder and authorized drivers when they are operating the insured car. If you have an accident while driving someone else's car with their permission, your insurance may provide primary or secondary coverage depending on the circumstances and the specific policy.
- For commercial auto policies, coverage may be limited to authorized employees or drivers who are specifically listed on the policy. If an unauthorized person has an accident while driving the commercial vehicle, coverage may be limited or denied.
It is crucial to review the specific language of your auto insurance policy to understand the extent of coverage for driving other vehicles. If you have any doubts or questions regarding your coverage, it is best to contact your insurance company for clarification to ensure you have the necessary coverage in case of an accident .
