If a vehicle owned by someone else is not insured and you borrow it will your personal insurance take over and cover you in case of an accident?

Answer

If you are using it because your vehicle is in the shop for repairs, generally, yes. However, I would call my agent or the claims department to verify.

 

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What happens id you were involved in an accident and the third party wants compensation for personal injury but you were not insured to drive that vehicle?  If you have insurace but borrow a car that is not insured who's insurance will cover damages?