How Does Car Insurance Work When Driving Other Peoples Cars? 
-- > Normal 0 I feel its important to add to this discussion that should you be driving someone elses car with their permission and be involved in an accident , the car owners insurance would be primary -LRB- first to pay -RRB- but insurance coverage you carry on your car , if you have one , would be excess . In other words , if your limits were greater than those covering the borrowed car or your coverage were broader , your coverage should be available once the car owners limits are exhausted . 