In North America, having a fully comprehensive insurance policy on your own vehicle does not automatically grant you coverage to drive other people's cars, because auto insurance traditionally follows the vehicle rather than the individual driver. Driving a friend's car relies entirely on the insurance policy attached to that specific vehicle acting as primary coverage. Conversely, in certain international jurisdictions like the United Kingdom, historical "driving other cars" (DOC) policy extensions existed under comprehensive tiers, but they are increasingly rare, heavily restricted, and limited strictly to third-party only coverage during emergencies with explicit owner consent.
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