1. Primary Liability: In most cases, the person driving the car at the time of the accident (you, in this case) will be held primarily liable. Even if the car owner's insurance policy provides coverage, your lack of personal insurance may mean you'll be on the hook for damages that exceed that policy's limits or are not covered.
2. Secondary Liability: The car owner's insurance may come into play if your liability exceeds the limits of your own insurance or if you don't have insurance. However, the specifics of this coverage depend on the policy and state laws:
- In some cases, the owner's insurance may provide coverage for permissive drivers (those who have the owner's permission to operate the vehicle), even if they don't have personal insurance.
- In other cases, the owner's insurance may only provide coverage if the named driver (the owner or another listed individual) is operating the vehicle.
3. Personal Injury Protection (PIP): Some states require or offer PIP coverage, which provides medical expenses and lost wages for individuals involved in accidents, including drivers without personal insurance.
The best course of action is to get in touch with both the owner's insurance company and your state's insurance regulatory agency to understand the specific laws, coverage details, and your options in case of an accident. It's crucial to have adequate personal insurance coverage to protect yourself and others in case of an accident.
