Am I covered if I drive someone else’s car?

Generally, your auto insurance policy provides coverage while driving someone else’s car if:

• you have the vehicle owner’s permission to use the vehicle;
• you use the vehicle for the purpose which the owner gave you permission; and
• you do not regularly use the vehicle.

If covered, your policy’s specific coverage, limits and deductibles would apply.

Typically, the vehicle owner’s insurance would apply first in the event of an accident.  However, in certain circumstances the coverage provided by your own insurance policy could also apply. This is known as secondary or excess coverage.