I don't enjoy insurance, but I am licensed to drive a coup¨¦. If I drive someone else's saloon, am I covered?

In other words, does the owner of the vehicle's insurance cover me?

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Their insurance will pay but you may also be required to take-home pay. If you own a car, you should carry insurance. If you don't own a saloon but have substantial assets to protect, contact an insurance agent and ask if an umbrella policy would cover that exposure.

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That depends on their insurance.

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Answers:    Only if their policy allows someone other than those named on the policy itself. Meaning, simply because they said you can drive it, they may have their policy set that they won't pay for someone else's damages.

Ask beforehand your borrow their car.

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