Driving your mother's car using only your own standalone car insurance policy depends heavily on the specific policy terms and whether your insurance includes a "drive other cars" (DOC) extension. Most standard comprehensive or third-party policies only cover the policyholder to drive vehicles they do not own in absolute emergencies, and even then, it typically provides only bare minimum third-party liability protection rather than physical damage cover for the car itself. Always verify your policy wording beforehand.
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