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Does Your Auto Insurance Cover Driving Someone Else’s Car?

auto insurance driving someone elses car

There are some unique situations that come up with auto insurance coverage and it can be hard to know if you will be covered or not. For example, does your auto insurance cover you if you are driving someone else’s car? If you are in an accident while you are driving someone else’s car, the car insurance coverage can be different than if you are driving the car you own and are insured for. Here are some of the common questions for this unique insurance situation.

What Does Your Auto Insurance Cover for Driving Someone Else’s Car?
Typically, if you are in an accident while driving someone else’s car, you will use their insurance. After that, whatever costs are left over will use your insurance. There are many variations as to how this will be covered, depending on collision coverage, comprehensive, and other coverage options they may or may not have. For example, if there are several cars involved, there are medical bills, and there is a large amount of property damage that was caused by the accident, this is when it will likely overflow into your own insurance. This would likely be the case if the person’s car you are driving had a low amount of insurance coverage that was only able to cover part of the damages.

Can This Affect Your Auto Insurance Premium?
This depends on the auto insurance company in California. Depending on the amount of claims or accidents, some local insurance providers can raise your costs if you are in an accident. The amounts and situations can vary, but it is common for your rates to go up if you are in a car accident.

If you are unsure as to the type of auto insurance you have and the amount of coverage your plan offers you, we can help. Our local auto insurance experts can review your plan with you in more detail and discuss the best option for you to get the right amount of coverage you need for a better price you can afford. Contact our offices at 877