Does Your Auto Insurance Cover Someone Else’s Car That You’re Driving?
There’s no doubt that auto insurance can be confusing. Subsequently, a lot of people make assumptions that are not true, and they end up suffering the consequences when an accident occurs. One of those assumptions is regarding insurance coverage when you’re driving someone else’s car.
There was a time when a comprehensive car insurance policy included coverage for any vehicle that you drove. Years ago, you simply needed comprehensive coverage and the owner’s permission to drive the car in order to be covered. This was known as the driving other cars (DOC) benefit. Unfortunately, that’s no longer the case, as more insurance companies do not offer this level of coverage as part of a comprehensive policy.
Although DOC is no longer a standard, there are some insurance companies that offer it as an add-on. Even when this is the case, it usually does not apply to anyone under the age of 25 because the benefit often excludes individuals in the “young driver” category. In addition to not covering young drivers, there are also some occupations that are not covered. For instance, if you’re driving another car for work, there’s a chance that you will not be covered if an accident occurs.