Nobody intends to get into an accident while driving, especially if they’re driving someone else’s vehicle. If you get into an accident while driving someone else’s car, it may take a little longer for your insurance companies to figure out who is responsible for coverage, though in most cases, your primary coverage will come from your friend’s policy.
Because car insurance normally follows the vehicle rather than the driver, if you suffer an accident while driving a friend’s car, the accident should be covered by your friend’s policy. In this instance, your personal car insurance serves as a backup plan. This means that if you were sued, your liability insurance would cover you.