Does Auto Insurance Cover Driving Someone Else'S Car? 
In California insurance follows the car , not the driver . The car is associated with a household and the drivers in the household are named on the policy . If you are driving a car that doesnt belong to you and are at fault in an accident , the insurance carried by the owner of the car on that car will be primary coverage . If the claims on the policy exceed the limits of the policy the policy where you are named as a driver will provide additional coverage up to the limits of that policy . 