In North America, your personal auto insurance policy generally does not cover you when you drive someone else's car, because automobile insurance traditionally follows the vehicle rather than the individual driver. If you borrow a friend's car with their explicit permission and get into an accident, the insurance policy attached to that specific borrowed vehicle serves as the primary coverage for vehicle repairs and third-party liabilities. Drivers should always verify whether the owner's insurance policy permits other operators or requires specific named driver endorsements before getting behind the wheel of a non-owned car.
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