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According to the Ohio Department of Insurance Guide to Automobile Insurance, automobile liability insurance (which pays the other party if you are at fault) may only cover the “named insured” under the policy or coverage may extend to family members who are resident in your household. The question of whether the insurance will follow the driver to another vehicle may depend on whether that car is a substitute for your car which is identified in the policy. Whether that substitute car is available for your regular use, may well determine whether you are insured when you drive it. If it is and it is not listed on your policy, then you may not be covered while driving that car. But if it is a car which you are only able to use by borrowing it from someone else or it is a rental, then your liability insurance should protect you in the event of an accident .

If you borrow a car for an extended period of time because your car cannot be driven due to mechanical issues, then your friend’s car may qualify as a substitute and you will be covered under the policy.

People are often surprised and disappointed to learn that under Ohio law an insurance company may sell you a liability policy which does not apply if you accidentally cause injury to another member of your family. Continue reading