Insurance can cover a vehicle and/or a person. For example if you own a vehicle it will be listed on your policy and insurance would follow the vehicle for when you loan your car to others. Or if you do not own a vehicle you can have non-owners auto insurance in which case that insurance would cover you, but normally as secondary insurance on a vehicle. The insurance of the owner of the car, the one you borrowed since as a non-owner you would not have one of your own, would be primary.

Some get confused and believe that Uninsured Motorist coverage pays for other drivers. Should you pay for auto insurance that covers otherdrivers? That question is unrelated to UM coverage. UM coverage pays for you if the other driver is uninsured. It is good protection, especially in states that don't strictly enforce their insurance requirement laws.

You can check with your company's insurance carrier but normally that business insurance auto policy is for company cars and would not extend to your personal vehicle unless your car was in fact listed on the company's policy. Another factor is that most states require the owner of a motor vehicle to carry insurance, or another form of financial responsibility, on their vehicle in order to have the car registered.

So unless your company's auto insurance extended to your vehicle, you would need to purchase your own car insurance to cover your vehicle. If you need an affordable auto insurance quote for your personal vehicle you can start here with us.