Best Car Insurance Secrets for Driving Someone Else’s Car

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Written By kevin

A financial strategist with a knack for demystifying taxes and insurance, Kevin distills complex concepts into actionable advice.

Driving someone else’s car can be a convenient and practical solution in various situations, from borrowing a friend’s vehicle to renting a car. However, it is essential to understand the insurance implications of driving someone else’s car to avoid financial risks and complications in case of an accident. Here are some things you should know:

Driving Someone Else's Car? Know If You're Covered!

Understand the Driver Insurance Laws

  • Driver insurance laws vary by state, so make sure you are familiar with your local regulations before hitting the road.
  • In some states, the car owner’s insurance policy covers anyone who drives their vehicle with permission.
  • Other states require all drivers to have their own auto insurance coverage.

Check for Coverage under the Car Owner’s Policy

  • Before driving someone else’s car, check if they have liability or collision coverage that could extend protection to other drivers.
  • Some policies only cover named drivers specifically listed on the policy. Make sure you’re covered.

Liability Coverage

Liability coverage pays for damages or injuries caused by an accident that is deemed your fault when driving another person’s vehicle.

Collision Coverage

Collision coverage pays for damages done during an impact between two cars or hit-and-run accidents.

Consider Additional Insurance Options

If there is no auto insurance policy covering you while driving another person’s vehicle or if you don’t feel comfortable relying solely on their policy as protection in case of incidents such as theft etc., consider purchasing additional temporary auto insurance like:

Rental Car Insurance

A rental company will offer short-term policies available at checkout counter which extends basic liability coverage (remember basic), personal injury protection , collision damage waiver/collision damage loss waivers(CDW/LDW) & PAI(Personal Accident Insurance)

Non-owner Car Insurance

Non-owner car insurance provides liability and sometimes physical damage coverage for those who drive but do not own a car. The driver could be held responsible financially liable for injuries or damages to others in an accident.


When you’re driving someone else’s car, make sure that you are adequately insured. Though there can be some confusion surrounding insurance, it ultimately comes down to being familiar with the laws around driver auto insurance and knowing what coverage is included under your policy as well as theirs. Remember, accidents can happen anytime so better ensure for longer peace of mind!


FAQ 1: Am I covered if I drive someone else’s car?
It depends on your insurance policy. If you have a non-owner policy or liability-only coverage, then you will not be covered when driving someone else’s car. However, if you have comprehensive and collision coverage, it may extend to cover any damage or injuries incurred while driving another person’s vehicle.

FAQ 2: What happens if I get into an accident while driving someone else’s car and don’t have adequate coverage?
If the owner of the vehicle has insurance that covers other drivers, their liability insurance could potentially pay for damages resulting from the accident. However, there is a chance that they may not be sufficiently insured either for such situations. In this case, you could be held financially responsible for any damages or injuries caused during the accident.

FAQ 3: Can I add temporary coverage to my existing auto policy when borrowing a friend or family member’s vehicle?
Yes, some auto insurance companies offer optional “drive other cars” (DOC) coverage as part of their policies. This type of coverage typically extends similar protection as your regular auto insurance policy but only applies when you’re driving someone else’s vehicle occasionally in emergency situations. It would be best to check with your insurer about whether this option is available and how much it costs before borrowing a friend or family member’s car.


**H3: What does my current car insurance cover when driving someone else’s vehicle?**
Answer: Your personal car insurance policy may offer some coverage for driving other cars, but the extent depends on your specific coverage options. Generally, liability coverage may apply, but comprehensive and collision coverage may not.

**H3: Can I add a temporary coverage to my insurance policy for driving someone else’s car?**
Answer: Yes, you can usually buy temporary coverage, such as a non-owner auto insurance policy or a rental car coverage, that extends your insurance to borrowed or rented vehicles.

**H3: What should I do if I’m frequently driving someone else’s car and want adequate coverage?**
Answer: Consider discussing your situation with your insurance provider. They may suggest a policy add-on or endorsement, like “Driver Other Car” coverage, which can provide extended coverage when driving other people’s cars with their permission