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Generally yes, you are covered for any car you are legally driving. The one exception that comes to mind is if you steal a car and wreck it.

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โˆ™ 2006-09-20 12:13:02
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Q: If you have full coverage insurance does it cover you on any vehicle you drive?
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What kind of insurance coverage can we get for a borrowed vehicle that doesn't have any insurance on it because the owner doesn't drive it. We have insurance coverage on our vehicles?

Some insurance companies like Progressive will cover a non-owned vehicle meaning a vehicle in which you have no legal or financial interest. Check around if your insurance company does not provide coverage to non-owned vehicles.


Can your employer ask for your vehicle insurance to drive their vehicle?

Your personal auto coverage will not cover their vehicles. What they are probably asking for is to make sure you have coverage in case you drive your vehicle on errands or such for the company. If you go to the post office to get the company mail your personal auto insurance will be the primary insurance and then if they have an endorsement to their insurance called "hired and non-owned auto" it will provide secondary coverage over and above your coverage to protect them in case of an accident. Their coverage insists that you as the employee have primary insurance on your vehicle. Also note that the company insurance will not pay for damage to your vehicle.


Does full coverage insurance cover my car if someone else drives it?

Auto Insurance covers the vehicle, not the driver. As long as you give permission for a legally licensed person to drive your car and they are properly using the vehicle (i.e.: not racing) your vehicle is covered.


If a car owner has full coverage on their vehicle including uninsured motorist can they allow someone without any insurance to drive the vehicle?

It is my understanding from my insurance company that if I "give permission" for someone to drive my vehicle and I have full coverage then my vehicle is covered. Recommend you ask your insurance carrier this question, they will be happy to give you an answer regarding your policy.


If you have full coverage insurance in Ohio will it cover any car you drive?

Usually it does, you would have to check to see if you have a broad coverage policy or not.


Does your insurance cover your car when an uninsured driver is driving and have a wreck?

It really depends on the type of coverage you have. Normally if that person had permission to drive the vehicle, you have full coverage/collision insurance, and that person was at fault your insurance will cover damages. If someone else caused the accident, you would still receive damages from their insurance if they were insured. Sometimes however the driver's insurance would cover your damages under certain circumstances. As always, it is really best to ask your insurance carrier or refer to your most recent coverage letter from the company.


How do you get auto insurance to drive anyone's vehicle?

Contact an agent some states allow/offer 'drivers' insurance coverage/polices.


If you have full coverage auto insurance will it cover the car if you let your girlfriend drive your car to work?

Anyone you give permission to drive your car,is covered under your insurance.


Do you have to have insurance if you have a drivers license but do not own vehicle?

In most situations, the insurance follows the vehicle, therefore, if you don't have a vehicle you would not have a need to have insurance. You still have the responsibility to make sure that any vehicle that you do drive is insured. If you borrow someone's car and drive it, you have the care, custody, and control of the vehicle and you are legally responsible to make sure it has the legally required coverage. If you drive an uninsured vehicle, you will be ticketed.


What happens if you wreck someones car who has insurance but you have no license and they are not pressing charges?

If they are not pressing charges, then they are giving you permission to drive their vehicle. If you give someone who doesn't have a drivers license permission to drive your vehicle, you are voiding your insurance coverage. The Insurance company will not pay.


Do you need to be on someones auto insurance to drive a vehicle?

Insurance will cover any licensed driver with permission to borrow the car.


You have fully comp car insurance can idrive another persons car third party if the car has a current mot and tax but the owners insurance has runout?

Of course you can drive it... you can drive any car you want... I think the question you are asking though is whether or not it will be legal to drive and whether or not an out of force car insurance policy will cover you if you wreck the vehicle even if it has a current tax and license... right? The answer to those questions is NO. If the current owner's coverage is not in force, it is not legal for you to drive the vehicle unless you have a Non-Owner Insurance policy which insures any vehicle you drive. An out of force policy will NOT cover you at all. Whether the vehicle has current license and tax has no bearing at all on whether you meet your States insurance guidelines.

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