Whose auto insurance pays if I’m driving someone else’s car and I’m in an accident?

Car insurance is just that: car insurance. It’s not driver insurance. Therefore, if you are driving your friend’s vehicle and you get into an accident, it is your friend’s insurance company that will pay for damages and not your own.

Naturally, you should never drive another person’s car without her or his express permission. This can be otherwise construed as stealing, and in situations such as these, the car’s insurance will not cover damages, and you will be held liable.

Have you recently been involved in an accident driving someone else’s car? Have that person contact the insurance company as soon as possible to determine procedure according to their specific policy.

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