Typically if the owner of a vehicle gives another person permission to drive their vehicle it would be covered under their insurance. But one should always check with the owner's insurance company before borrowing a friend's vehicle to make sure the policy would not exclude them for any reason.

If someone uses a person's vehicle without the owner's permission it is unlikely that the driver would be covered if they were in an accident. Most insurance companies could deny a claim since the driver did not have the owner's consent to be using the vehicle.

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