Does my Allstate policy cover me if I drive someone else's car in New York?

"If I'm borrowing my uncle's car, will my insurance policy cover me?"

Answer provided by
Emily Maracle
Answered on Jul 26, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Typically car insurance follows the vehicle and not the driver. If your uncle has car insurance, their policy should cover you as long as you have permission to borrow it. If you live in the same household, you’ll also want to make sure you’re not listed on the policy as excluded.
If your uncle doesn’t have car insurance, you should check with Allstate to confirm they will cover you in another vehicle.
Most insurance policies will only cover the vehicle that is listed on the policy, but every policy is different. If you do get into an at-fault accident and Allstate doesn’t cover other vehicles, you’d be responsible for the damages.”

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