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rental car damage and liability insurance

 Today's topic is one common question related to comprehensive coverage while driving someone's car. This question has many answers. We have to consider several factors to answer it, and that's why we need to understand what this policy covers when we suffer an accident.

Typically, your car insurance company will only cover your vehicle, not you

What is Comprehensive Car Insurance?

Comprehensive insurance is the best protection policy for your car. It covers the damage to your vehicle when an act of God happens, as well as theft, fire, vandalism, or theft. This policy provides a higher protection compared to a liability-only coverage policy.

What Does Comprehensive Car Insurance Typically Cover?

Comprehensive car insurance policies typically cover:

  • Damage to your vehicle, including theft and fire

  • Liability for damage or injury to other people or their property

  • Cost of repairs or replacement of your vehicle

  • Medical expenses for you or your passengers

  • Personal accident cover

  • Loss of or damage to personal belongings

Can You Drive Another Car with Comprehensive Car Insurance?

Whether you can drive another car with comprehensive car insurance typically won’t cover someone else’s vehicle using your policy coverage, remember the policy covers your vehicle, not the person. However, that depends on the specific terms and conditions of the declaration page from your policy. Some auto insurance policies allow you to drive other cars with the same level of cover as your vehicle, while others may only provide third-party cover.

You must check the declaration page of your policy or speak to your insurance provider and ask them what your policy covers. In some cases, your insurance company may require you additional information or documentation, such as the make, model, and that vehicle's plate number you plan to drive.

What is Third-Party Cover?

Third-party cover is the minimum level of car insurance required by law in most countries. It provides coverage for damage or injury you cause to another person or their property while driving your vehicle. This type of insurance policy does not provide coverage for damage to your own vehicle.

When Can You Drive Another Car with Comprehensive Car Insurance?

You may be able to drive another car with comprehensive car insurance if:

  • The other vehicle is not owned by you

  • You have the owner's permission to drive the vehicle

  • You are not using the vehicle for commercial purposes

  • The other vehicle is not a high-performance or luxury vehicle

Remember that some of your auto insurance policy's conditions may vary, so go talk to your insurance provider to know more about the specific details of your policy.

What Happens if You Drive Another Car without Proper Coverage?

First of all, it's illegal to drive without proof of insurance.
When a police officer pulls you over, you must show proof of insurance to him/herr. Remember that the police have access to the DMV database, so they can verify if the vehicle you're driving has proof of insurance or not. if that vehicle has the minimum liability coverage and you cause an accident that exceeds the coverage limit, your comprehensive coverage will cover the rest of the damage or injuries.


Your comprehensive car insurance policy covers your vehicle not the driver. If you're going to drive someone else's car and you are aware that car is uninsured, you must talk to your insurance provider. s/he will help you to understand what your policy covers and what not. Don't forget to read carefully what your car insurance declaration page says.


Q: Can I drive another car with comprehensive car insurance?

A: No, you have to talk to your car insurance provider and request that vehicle's as an extra or as an standard, however, that's not likely to be sure to happen. You must check your policy's declaration page, and I strongly recommend you to go talk to your car insurance provider, s/he will clarify what does your policy covers and what not.

You may be interested in the following posts:

Comprehensive Coverage Cost Factors - Learn the 5 Factors That Affect Your Insurance Premium

Real-life scenarios where comprehensive coverage would be necessary or beneficial   

Comprehensive Insurance vs Collision: Which One is Right for You?

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