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If you are a permissive driver (given permission to drive the vehicle by the named insured), your accident would be covered under the owner of the car's policy. The insurance follows the vehicle, not necessarily the driver. You might want to check the owner's policy. I've seen a clause that specifically excludes damage caused by another vehicle insured by the same person.

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โˆ™ 2006-04-13 05:01:58
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Q: What happens when you are driving a family members car and hit the same family members other car but you are not on their insurance?
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One of my family members was hit by a driver who carried insurance but was an "excluded" driver on the policy of the car she was driving. After talking to the other person's insurance company, an excluded driver is essentially equivalent to an uninsured motorist. That means that his/her insurance company will not represent them and that, if they are liable for the accident, your insurance company can go after them personally for the damages.

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