Best answer: How do I know if my car insurance covers me to drive another car?

How do I know if Im covered to drive another car?

If you do get behind the wheel without checking that you’re insured, you could be driving illegally. Don’t assume that because you have comprehensive car insurance you’re covered to drive someone else’s car. If you do get behind the wheel without checking that you’re insured, you could be driving illegally.

Does my insurance cover me if I drive another car?

Does car insurance cover driving other people’s cars? No, your car insurance won’t cover you if you drive another person’s vehicle and become involved in an accident where you’re at fault.

Who can drive my car under my insurance?

Permissive Use

Most car insurance policies will cover drivers you’ve listed on the policy, or anyone whom you give permission to drive your car, says Nolo.com. This means your insurance will likely cover another driver in the event of an accident, as long as they had your permission to drive your vehicle.

What insurance do I need to drive other cars?

The car you want to drive must be covered by an existing insurance policy and you must have permission to drive it. Driving other cars cover is usually only available on a comprehensive car insurance policy, so if you have third party (or third party, fire & theft) cover, you won’t be covered to drive any other cars.

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How does insurance work if someone borrows your car?

Your auto insurance policy is responsible for your car when someone else driving it is involved in an accident. … If a friend borrows your car and causes an accident, your insurance policy pays for any at-fault damages. A rule of thumb to remember in this situation is “car insurance follows the car, not the driver.”

What happens if someone wrecks your car and they aren’t on your insurance?

Insurance applies to the vehicle. So, if someone who is not on your insurance plan is driving your vehicle, your insurance still applies in the case of an accident.