Am I covered if I drive someone else's vehicle?

Generally speaking, the insurance goes with the car. For example, if you have an accident while driving someone else's car, the owner's insurance would apply toward damages first. Your auto insurance would generally apply in the event the owner of the vehicle had no auto insurance or did not have enough auto insurance to pay the damages. Please note that every claim is subject to a full review process in which we will determine whether you and/or other drivers are eligible for coverage.