Will your insurance cover you if you are driving someone else's car?

Answer

I am an auto insurance adjuster and the quickest answer to your question is - "it depends on the Owner of the vehicles policy language".

Most Auto insurance policys WILL in fact cover ANY driver of the Insured vehicle - UNLESS that driver has been previously Excluded from the policy or UNLESS the driver has STOLEN the Vehicle. This would have to be proved with a copy of a theft report filed by the owner of the house with law inforcement.

Now, most of the time this is the case - but NOT in all states, and NOT on all policys. I urge you to call your agent BEFORE you drive a friends car or BEFORE you let a Friend drive yours.