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As long as you were driving the vehicle with the owner's permission, and the owner's policy doesn't have any conditions or exclusions regarding an actual licensed driver (which is rare), then "yes," the owner's policy should cover you.

Generally speaking, the insurance follows the car. Since the owner paid an insurance company money to have the coverage, his insurance would be primary for a loss.

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Q: If you have a permit and you drive someone else's car and crash it does their insurance cover you in Massachusetts?
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