This is a common misconception. Most people assume that by driving someone else's car, they're covered by their insurance policy. Unfortunately, this is just not so. Whether you are in a rental car or driving a friend’s car, your insurance doesn’t necessarily follow you as a driver. Insurance goes with the car, not the driver, so when you’re behind the wheel of a friend’s car, it’s usually their insurance that will be first in line to pay a claim. As for rental cars, you can add coverage for that to your policy – but unless you do, you may not be covered for any damage to the rental vehicle.
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