It depends on what kind of insurance you have. Some types of insurance follow the driver, while others follow the car. Liability insurance covers you when using a rental car, dealership loaner, or a friend's car.
This depends on your coverage type. In general, the insurance follows the car. Below we list the two main types of coverage:
Keep in mind, that liability insurance usually only covers temporary car use. If you plan to borrow someone else's car for an extended period of time, your liability insurance may not cover you. If you plan to get liability insurance ask the insurer how their specific policy works.
This only applies when borrowing a friend or family member's car. If you're borrowing a rental or dealership car, liability insurance is enough.
If you plan to use someone else's car often, consider non-owner car insurance. This type of policy provides liability coverage for drivers who don't have their own vehicle. It normally includes bodily injury and property damage liability. Sometimes it even includes medical coverage and uninsured motorist coverage.
Check with potential insurers on what their non-owner car policy covers. A non-owner policy doesn't include comprehensive, collision, rental reimbursement, or towing coverage.
Contact Progressive for an easy quote, today. You can get more info and explore what's right for you.
A few tips to remember before borrowing someone else's car:
If you have liability insurance, you're covered in another car. We suggest contacting your insurer to ask them the details of your policy. Most liability insurance only covers the temporary use of another vehicle.
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