{"id":56221,"date":"2025-07-31T13:38:12","date_gmt":"2025-07-31T17:38:12","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?post_type=resources&#038;p=56221"},"modified":"2025-12-11T11:54:09","modified_gmt":"2025-12-11T16:54:09","slug":"what-insurance-covers-any-car-you-drive","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/what-insurance-covers-any-car-you-drive","title":{"rendered":"What insurance covers any car you drive?"},"content":{"rendered":"\n<p>Borrowing a friend\u2019s car, renting a car on vacation or driving a company car are some of the common situations where you may operate a car that isn\u2019t yours. When you find yourself driving a car you don\u2019t own, does your car insurance cover it?<\/p>\n\n\n\n<a id=\"back-to-top\"><\/a>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>Table of Contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#what\">What insurance coverage applies to any car?<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#does\">Does liability insurance cover any I drive<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#comprehensive\">Does comprehensive and collision cover any car I drive?<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#what\">What type of insurance covers rental cars<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#company\">Company car insurance<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#permissive\">How does permissive use affect coverage?<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#conclusion\">Conclusion<\/a><\/span><\/li><\/div>\n\n\n\n<a id=\"what\"><h2 style=\"margin-bottom:0px;\">What insurance coverage applies to any car?<\/h2><\/a>\n\n\n\n<p>Whether your insurance coverage applies to another car depends on the coverage you have, what state you live in, and the specifics of your individual policy.<\/p>\n\n\n\n<p>A <a href=\"\/insurance\/auto\/\">typical auto insurance policy<\/a> includes liability coverage, medical payments coverage, and optional coverage for damage to your vehicle.<\/p>\n\n\n\n<p>Liability coverage helps protect you if you injure someone or damage someone\u2019s property while operating a car. Medical payments coverage helps pay for your own injuries and injuries of your passengers sustained in an accident. Comprehensive coverage and collision coverage are optional coverages that help pay for damage to your own vehicle.<\/p>\n\n\n\n<p>In most cases, the vehicle owner\u2019s coverage will be primary in the event of an accident. In situations where there\u2019s an accident and the driver was not the vehicle owner, the driver\u2019s insurance will apply.<\/p>\n\n\n\n<p>For example, say you borrow a friend\u2019s car and cause an accident. Your friend\u2019s insurance would be primary, and if it\u2019s not enough to pay for the injuries or damages, your own insurance may provide coverage.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"does\"><h2 style=\"margin-bottom:0px;\">Does liability insurance cover any car I drive? <\/h2><\/a>\n\n\n\n<p>Liability insurance under your own policy should cover you when driving someone else&#8217;s car with permission, but your coverage may not be primary. In the event of an accident, this means that the owner\u2019s policy will likely apply before yours does.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"comprehensive\"><h2 style=\"margin-bottom:0px;\">Does comprehensive and collision insurance cover any car I drive? <\/h2><\/a>\n\n\n\n<p>Comprehensive and collision insurance will only cover the policy vehicle and not other cars you drive with the owner\u2019s permission. Rental cars are an exception, however.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"type\"><h2 style=\"margin-bottom:0px;\">What type of insurance covers rental cars? <\/h2><\/a>\n\n\n\n<p>In the case of rental cars, your own comprehensive and collision coverage (if you bought those optional coverages) will <a href=\"\/resources\/insuring-your-rental-car\">cover your rental<\/a> without the need for additional rental car insurance. This can vary between policies, so check with your insurance provider for specifics.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"company\"><h2 style=\"margin-bottom:0px;\">Company car insurance<\/h2><\/a>\n\n\n\n<p>If you\u2019re driving a vehicle owned by your employer, the employer&#8217;s  commercial auto insurance will usually cover your business use of the vehicle. Keep in mind that using a company car for personal errands may not be covered, unless explicitly allowed by that commercial auto policy.<\/p>\n\n\n\n<p>Personal auto insurance typically does not cover business use of a vehicle, unless there is additional coverage for business use provided by an endorsement.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"permissive\"><h2 style=\"margin-bottom:0px;\">How does permissive use affect coverage? <\/h2><\/a>\n\n\n\n<p>Most personal auto insurance policies provide coverage for people operating your vehicle with your permission, even if they are not listed on your policy. <\/p>\n\n\n\n<p>If someone is operating your vehicle without permission and they are involved in an accident, the insurance company may deny coverage for the accident. However, you might have coverage if you bought comprehensive coverage and your vehicle was stolen. Check with your insurance carrier for the specific details of your policy.\u00a0<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"conclusion\"><h2 style=\"margin-bottom:0px;\">Conclusion \u2013 Does car insurance cover any car you drive<\/h2><\/a>\n\n\n\n<p>Driving a car you don\u2019t own does not mean you are automatically covered by your own insurance. While many personal auto policies extend coverage to other vehicles in certain conditions, it may not always be the case for your policy. Before driving a car that isn\u2019t yours, review your policy and the owner\u2019s policy to be sure you\u2019re covered.<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"36610\" class=\"elementor elementor-36610\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ee649ab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee649ab\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c502b6\" data-id=\"4c502b6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21697f5 post-margins post-link-class elementor-widget elementor-widget-html\" data-id=\"21697f5\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p style=\"margin-bottom: 0px;\"><strong>Now let\u2019s talk about you<\/strong><br \/>\nDo you have the right coverage for your vehicle? We\u2019d love to chat with you about it. Call us at <a href=\"tel:1-800-516-9242\">800-516-9242<\/a> or speak to a <a href=\"https:\/\/www.plymouthrock.com\/find-an-agent\">local agent<\/a>. \n<br \/><br \/>\nIf you\u2019d rather not talk, you can <a href=\"https:\/\/buy.plymouthrock.com\/esales\/entry\/start?PLF_Code=HIPT&amp;iRefid=Website&amp;iRefclickid=Copy_Link\">get a quote<\/a> quickly and easily online. Just enter your ZIP code to get started and see how much you could save!\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"<p>How does insurance work when it comes to cars you drive, but don&#8217;t own? Here are the kinds of insurance cover any car you drive.<\/p>\n","protected":false},"author":60,"featured_media":56222,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[71],"state":[],"class_list":["post-56221","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-auto"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What insurance covers any car you drive? | Plymouth Rock<\/title>\n<meta name=\"description\" content=\"How does insurance work when it comes to cars you drive, but don&#039;t own? 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