So if you lend your car to your best friend your sister or even your second cousin your insurance is most often the insurance that will pay in the event of an accident.

Does state farm cover someone else driving your car. Any driver who regularly uses your car or resides at your home should be named on your policy. Permissive users are drivers who are not rated on the policy but who have been granted permission to drive your car. Therefore it is essential that you review your insurance needs and coverages with your Farm Bureau agent.

If the person who borrows your car causes damage or injury to another person or vehicle your insurance will still cover them but coverage for other drivers may be limited and theyll be on the hook for any damage that exceeds your coverage. DOC is a clause in your policy that allows you to drive someone elses car without being a named driver on their policy. However this isnt always the case.

New Hampshire is the only state that does not require the driver to have at least liability coverage. There are exceptions though. Your policy may cover drivers who occasionally borrow your car with your permission.

Your Type of Auto Coverage. State Policies and Laws. Heres a quick explanation.

Comprehensive and collision coverage cover damage to your car. On the other hand if the driver of your car is at fault your car. Car insurance policies follow the car -- not the driver behind the wheel.

You drove under the influence - If you are driving under the influence in someone elses car their insurance wont cover damages you cause. Think of it this way. In many states your car insurance would be considered the primary insurance if someone else wrecks your vehicle according to the Insurance Information Institute III.