DRIVING SOMEONE ELSE'S CAR

Texas auto insurance rules extend coverage from your policy to a legal operator using your car.

The question is, what happens when you drive someone else's car, do you need to verify their coverage or will your policy pay for damages you cause while operating their car. In Texas the primary insurance follows the car, meaning the owner of the car is responsible for the liability insurance on that car and the damage it causes while being operated with legal permission. Be sure to confirm that the vehicle you borrow is insured. Your policy may provide secondary coverage, however this could be a coverage question depending on circumstances.