The answer to that question is Yes…and also No
Unfortunately, the question of whether your policy covers you or your vehicle doesn’t have a straightforward answer. Generally speaking, the insurance follows the automobile, meaning that if you drive and wreck your friend’s car, they will file with their own insurance rather than yours. However, if you’re driving and wreck a rental car, your insurance will cover damages. There are numerous variables that influence whether your insurance covers you or your vehicle, such as what type of auto insurance you’re referring to.
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