If you have liability insurance on one vehicle are you insured if you drive another vehicle?

Auto insurance typically covers the car, not the driver. So, if you have insurance on your vehicle, but you drive another vehicle that doesn't have insurance, you are not protected by your policy if you have an accident in that other vehicle.

However, if you have insurance on your vehicle, and you lend it to a driver (from another household) who does not have his or her own insurance, they will be covered by your policy while they are driving your car.