Your car insurance provides coverage in the event you are in an accident. Insurance companies agree to provide a lawyer to defend any claim filed against you by a party suffering personal injuries or property damage. The company also agrees to pay claims in the event it is determined the damages suffered by the other party were caused by your negligence or reckless behaviour. The coverageprovided by your insurance company extends to anyone in your household using vehicles insured under the policy. It also insures people outside of your home if they are using a car or other vehicle you own with your permission. For instance, if your neighbour’s car is in the shop for repairs and he or she borrows your car to get to work, your insurance would cover your neighbour in the event of an accident. It would also provide coverage if an injured person made a claim for compensation against you and your neighbour borrows