Will my insurance offer coverage if I drive my friend's SUV?

My car broke down, but I need to get to work. If I borrow a friend's SUV while my vehicle is in the shop, will my car insurance cover me?

Answer
“In general, car insurance follows the vehicle rather than the driver. This means if you get in an accident, your friend’s insurance will be the primary coverage.
Your friend’s liability car insurance will pay for damage or injury you cause to someone else. And their collision coverage will pay for damage to their own vehicle.
But in some cases, your insurance may kick in as a secondary form of coverage. If the damage caused in the accident exceeds your friend’s insurance limits, then your own liability coverage may cover the rest of the costs.”
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Emily Richey
Answered on May 27, 2021
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