Who’s Car Insurance Will Cover You If You Are Driving Someone Else’s Car?

August 22, 2012 in bradford, Bradford PA, bradford pennsylvania, car insurance, car insurance in bradford, car insurance in bradford pa, car insurance rates

If you get in an automobile wreck when driving someone else’s car, does your car insurance cover it? If not, will it be the responsibility of the driver’s insurance? The law varies by state, and Pennsylvania does have its own set of governing principles. These principles may or may not apply, though, depending on the type of insurance coverage which you possess.
The Insurance Caveat


Before discussing anything else about car insurance, it is important to note that your individual car insurance policy is going to set the standard for who will be covered. You should always take the time to consult your own policy for information, and to consult an agent. You may want to consult the same individual who gave you basic PA car insurance prices for your information, as he or she will likely have access to your policy and know the best answers to your particular coverage inquiries. Even with this said, you can make an educated guess if you know a bit about the law.

Your Coverage


If you have coverage that follows you, your insurance coverage will cover you even if you are driving the car of another. It is important to check with your agent to find out if this is the case, and you may have to pay an extra premium for this level of service. It is generally rare that one will have a type of coverage that extends beyond his or her own vehicle, and Pennsylvania car insurance rates are generally higher for those who do have such a policy.


Their Coverage


Typically speaking, insurance coverage goes with the car. If the car owner gives an individual permission to drive the vehicle, he or she should be covered under that car owner’s insurance. This can vary by policy, of course, and permission must be clearly given before coverage will kick in. The only situation in which permission need not be given is a situation in which an individual would reasonably give permission to drive the vehicle (i.e., a trip to the hospital).


No Coverage


There are situations in which the owner of the car’s coverage should be the controlling coverage, but will not actually pay anything out. This situation occurs when the owner of the vehicle was negligent in giving permission to the driver. This might include giving permission to a drunk or underage driver, or giving permission to an individual known to drive dangerously. In this situation, it is likely that no insurance policy will actually provide any sort of coverage.


If you have permission to drive the vehicle and do not operate in a reckless manner, the odds are that the owner of the vehicle is the one who has the controlling car insurance. Pennsylvania auto insurance rates can be higher for those who have coverage that works in borrowed cars, though, and this kind of coverage can be more valuable. No matter what the law states, though, it is important to check with your insurance agent to find out about your coverage.