If I’m driving another persons’ car which has insurance on it (but I don’t own a car or have auto insurance) and there is an accident, will the persons’ car insurance cover it. Also, is it legal to drive that car since its insured already (even though I don’t own insurance myself). Please don’t guess…
If you had permission to drive this person’s vehicle, then their insurance will cover the loss as long as there was active coverage at the time. This is called "permissive use" in the industry.
Now if the policy for the vehicle you were driving specifically excludes any drivers other then those listed on the policy, then they will not cover the loss and you will be pursued personally for the damages from the other party involved….meaning sued!