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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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