WDoes my car insurance policy cover me, If I’m driving someone else’s car?

The car owner’s liability and collision policies may cover any damages resulting from any accidents. , the car owner’s insurer requires you to be listed on the policy in order to provide coverage.
If you met with an accident that results in damages and injuries that exceed the car owner’s liability limits, and you have your own car insurance,then you and the car owner’s insurance companies may share the costs known as a “pro rata” case. His insurance may pay the full cost of the accident, and then ask your insurance company to give you your share .But if you don’t have your own insurance, then the car owner may charge any amounts exceeding his or her coverage, so, it’s always advisable to have your own insurance coverage which may cover you even when you are driving someone else’s car.