Your brother is loaning you his car if you insure the car can he be held liable for an accident you get into?

ANSWER

First, your brother's car should be insured anyway. However, if you have your own insurance policy and this fact is stated in the policy, you are liable. Furthermore, if you by chance, reside with your brother, you should be included in his policy. If your brother's coverage is liability only, but your's is higher, the higher coverage may apply, however, 2 policies on one vehicle may be applied in case there are excessive damages and/or personal injuries. In any case, all damages need to be satisfied based on the policy (s) limits, and that's if the other driver's insurance co. requests policy limits verification.