Does Their Auto Insurance Cover Me if I Drive Someone Else’s Car?

Driving someone else’s car can be a convenient solution when you need temporary access to a vehicle. However, many people wonder about the implications of auto insurance coverage in these situations.

When driving a car that isn’t yours, the question of coverage depends on several factors, including the following:

• Owner’s policy coverage—In many cases, the car owner’s insurance policy extends coverage to anyone driving their vehicle with permission.

• Driver’s policy—Your auto insurance policy may also provide some coverage if you’re driving a vehicle that isn’t yours.

• Insurance exclusions—Some insurance policies have exclusions or limitations regarding who can drive the vehicle. Always check with the vehicle owner or their insurance provider to ensure no restrictions could affect coverage.

Steps to Ensure Proper Auto Insurance Coverage

To avoid potential issues, follow these steps when driving someone else’s car:

• Verify coverage with the owner. Before driving, confirm with the vehicle owner that their insurance policy will cover you. Ask about any limitations or exclusions that might apply.

• Review your policy. Check your auto insurance policy to understand how it applies when you’re driving a vehicle that isn’t yours.

• Consider rental insurance. If you’re renting a car, carefully review the rental company’s insurance options. Decide if you need to purchase additional coverage or if your personal insurance will suffice.

Contact Us

Contact Hanway Insurance in Oak Lawn, Illinois, for a personalized auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.