In North America, standard automobile insurance policies traditionally follow the vehicle rather than the individual driver, meaning your personal auto insurance policy does not automatically transfer coverage to other non-owned cars you might drive. While some specific insurance contracts offer limited non-owned auto liability endorsements, driving a friend's car usually relies on the insurance policy attached to that specific vehicle. Conversely, in certain international markets like the UK, historical "driving other cars" extensions existed, but they are increasingly rare and restricted strictly to third-party only coverage for emergency situations with explicit owner consent.
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