Uninsured motorist coverage may cover you if you’re driving someone else’s car, but it depends on the policy. Some uninsured motorist coverage extends to the driver, regardless of whose car they’re driving. However, it’s important to check with your insurance provider to make sure you have the right coverage in place.

Yes, uninsured motorist coverage can apply if the at-fault driver has insurance, but it’s not enough to cover your damages. This type of coverage helps protect you if the at-fault driver’s insurance is insufficient to fully compensate for your losses. Uninsured motorist coverage can help make up the difference so you are not left with out-of-pocket expenses.

In states where it is not required, uninsured motorist coverage can be waived to lower insurance premiums, but it may not be a good idea. If you are in an accident with an uninsured driver, you could be stuck paying for damages out of pocket. Additionally, it might not impact the cost of your insurance as much as you think. It’s important to weigh the risk of being in an accident with an uninsured driver against the savings in premiums. Consider discussing your options with your insurance agent before making a decision.