Am I covered to drive my uncle's Jeep?

My car is getting repaired, and my uncle said I could borrow his Jeep for a few weeks. I am not listed as a driver on his policy, but my policy is still active. Will I be covered if there is an accident?

Answer
“Insurance follows the car, not the driver. In most cases, you will be covered to borrow the Jeep for a short period. There can be a few significant exceptions, so make sure to review them with your uncle before driving.
Some carriers only provide coverage for drivers named in the policy. Other carriers allow occasional operators to be covered, but the term “”occasional”” may mean once a month or once a week. I
f there is an accident and the liability insurance payout is more than what his policy covers, your insurance carrier may pay the rest.
You will also be covered for physical damage claims if your uncle’s policy carries collision insurance and comprehensive insurance. If he does not have these coverages, the protection will not extend from your policy. “
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Shannon Martin
Answered on Apr 26, 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.
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