How does car insurance work when you're driving someone else's car?

I want to drive a friend's car. They have insurance, but I don't. If I get into a crash, what will happen?

Car insurance generally covers the vehicle, not the driver. As long as your friend has insurance and you have their permission to operate the vehicle, you’ll likely be covered by your friend’s policy.
Your friend’s liability coverage may cover other people’s injuries and property damage.
If they have collision coverage, this may pay for repairs to your friend’s car.
If you’re injured, your friend’s medical payments coverage may help pay for your medical bills.
Carol Chung
Answered on Apr 12, 2021

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