Will my car insurance cover my medical bills and damages if I'm involved in an accident while driving someone else's vehicle?

Every now and then, I drive my friend's car. If I get in an accident while driving this car, will my insurance cover me?

Answer
It really depends on the state. In general, insurance follows the car. However, if you’re talking about medical payments or Personal Injury Protection (if applicable in your state), those coverages typically follow the driver. So the liability coverage (bodily injury, medical payments, etc.) is going to come from your own policy, and the comprehensive and collision coverage is going to come from the policy insuring that specific car.
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Savannah Grabek
Answered on Feb 22, 2021
Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.
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