Does car insurance cover any car I drive?

One of the most common questions drivers have is: does car insurance cover any car I drive? Comprehensive insurance protects the vehicle rather than the driver. There are limits though, such as who may use the car. Your liability insurance can cover you when driving another car. This form of insurance is mandatory in most states.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 11, 2021

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The Highlights

  • If you’re using someone’s car and get into an accident, you’ll usually be covered by their car insurance
  • If you rent a car and get into a collision, your personal insurance policy may extend coverage to the rental
  • Liability insurance covers you when operating someone’s car, while comprehensive and collision insurance are tied to the car itself

Driving someone else’s car is necessary sometimes. However, in case of an accident, you’ll want to be prepared.

Without the right insurance, both the driver and the car owner can face penalties. Then what happens? And if it hasn’t happened yet, how can you compare car insurance coverage and be covered in the future?

This guide will give you the answer to these questions, and the most important question: does car insurance cover any car I drive?

Before learning more about if car insurance covers any car you drive, enter your ZIP code to compare free car insurance quotes from top companies for any driver.

Does my car insurance cover any car I drive?

Because insurance laws and coverage differ depending on the policy, coverage, and state in question the answer to this question can vary.

However, the coverage will depend on the type of policy you have. Liability insurance, a basic form of insurance, will cover you no matter what car you are driving. The best insurance companies require a minimum of liability insurance to cover you and your car.

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Collision and Comprehensive vs. Liability Insurance

Comprehensive coverage is extensive, but in some cases, you may not be protected by it in an accident if you are not identified as a covered driver.

What insurance covers any car you drive? That would be liability. This basic form of insurance is mandatory in all states except New Hampshire. It follows you, not the car.

Hopefully, you’ve learned everything you need to know about if car insurance covers any car you drive. Enter your ZIP code to compare free car insurance quotes from the best companies in your area and buy car insurance right now.

Frequently Asked Questions: Does car insurance cover any car I drive?

Here are some frequently asked questions about what is covered by car insurance when you drive another car.

#1 – Does your insurance cover any car you drive?

Usually, the insurance that the owner of the car has is sufficient, but your insurance may cover medical expenses and personal injury.

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#2 – Is the car or the driver covered by insurance?

In most cases, the insurance follows the car. If you borrow someone’s car and cause an accident, the owner’s car insurance will cover the damages.

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