Standard auto insurance policies in North America traditionally follow the vehicle rather than the driver, meaning your personal auto insurance policy does not automatically cover you when you drive other people's cars unless specified as a named insured or operating under specific temporary loaner clauses. Conversely, the insurance policy attached to the vehicle you are borrowing serves as the primary coverage during operation. Drivers must review their specific policy wording, as some insurers offer limited non-owned auto liability endorsements, but relying on the owner's insurance is standard practice.
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