Am I covered by my insurance when I drive my neighbor’s car?
"I have New Jersey Manufacturers (NJM) insurance for my car, but I often drive my neighbor's car as well. Am I still covered?
Answer provided by
Answered on Apr 14, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“In most instances, you would be covered under your neighbor’s policy as long as you have permission to drive the car. Insurance follows the vehicle, so the liability coverage would protect you as a driver. However, it would be best to have yourself added as a driver to your neighbor’s policy if you operate the vehicle fairly frequently.
If your concern is about the neighbor’s policy, it is best to ensure that the vehicle is properly registered and insured before you operate it again. Make sure their policy doesn’t have any exclusions for unlisted drivers.
Check with your agent for specifics on the circumstances in which your policy would apply.”
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Read advice from car experts at Jerry
Browse by topics
What others are asking
Can you negotiate the price of gap insurance?
I want to get gap insurance, but I'm wondering what my options are. The dealership is offering it, but it seems expensive. Could I negotiate a price with them? Is there any other company that offers gap insurance?
May 03, 2021
If a vehicle is registered with a business, is it cheaper or more expensive to insure than a car that's registered with an individual?
I'm considering buying a vehicle for my small business. Will registering this car with my business result in more expensive insurance vs. insuring a car for personal use?
Feb 22, 2021