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In California insurance follows the vehicle not the driver. If you are driving someone else's vehicle their insurance would first be looked at to provide coverage. If for some reason they deny coverage (which some may do if a person not listed on the policy was driving), and you're At Fault, then the other person or their insurance company can come after you for payment. This is general info as every company handles things just slightly different.

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Q: Is it legal to drive family member's car without insurance in California The owner of the car has insurance tough?
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