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
Shannon Martin
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.”

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