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Will my car insurance cover me if I am driving someone elses car?
Wiki User
∙ 15y ago
It depends on the owner of the vehicles policy. I would check with them before driving especially if it is something that will be for an extended period of time.
The only 2 instances when you would not be covered is if you are purposely excluded from the owners insurance policy or if you are driving a stolen car.
I had to find this out in a hard way. They will, if the car owner has given you permission to drive. But if not, they won't and I fell into the second case. A good rule of thumb is that 'insurance follows the vehicle' as far as coverage is concerned. The policy in force on the vehicle involved in a loss will cover the damage to the vehicle itself and whether or not the driver or passengers are covered and to what extent; is all based on the company who insures.
Wiki User
∙ 15y ago
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Does your insurance policy follow you if driving someone elses car?
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The answer to your question is no,unless your driving someone elses car at anytime,then you must be insured for that vehicle and that vehicle only..
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Homeowners insurance policies are personal lines coverage and typically do not provide coverage for commercial or work related activities.
When should you get car insurance?
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If you have auto insurance get into an accident while driving someone elses vehicle will you be covered by your insurance?
You should immediately report the accident both to your own insurance company and to the vehicle owner's insurance company. Depending upon which state you are in, either one or both insurance companies is responsible.
If you do not have car insurance can you drive someone elses car?
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If you get a ticket for running a red light driving someone elses car will insurance go up?
Your rates should not go up for someones violations unless they are listed on the policy.
