How Does Car Insurance Work When Driving Other Peoples Cars? 
Car insurance always follows the vehicle . If someone is driving your car and they have an accident the owners insurance policy is primary . If someone drives your car on a regular basis they need to be listed on your policy as an active driver . Car sharing is gaining momentum around the country but you need to check with your insurance agent to see if your policy will provide coverage for car sharing . Most personal auto policies will not . 