In most standard personal auto insurance frameworks, your own car insurance policy does not automatically cover you when you drive a vehicle owned by someone else. Personal auto policies are legally tied to the specific vehicle described in the declarations page. Instead, insurance generally "follows the vehicle," meaning the car owner's active insurance policy serves as the primary coverage during an accident. If the owner's policy lacks coverage or has restrictive clauses, you could face severe liability exposure unless you hold specific non-owner endorsements.
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