If I am on a PLPD auto insurance policy does that still give me insurance on driving other vehicles.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jan 13, 2014

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Insurance Question from Rochester, IN

Asked on 01/13/2014

If I am on a PLPD auto insurance policy does that still give me insurance on driving other vehicles. Was recently in auto accident and found out that insurance policy for that vehicle was invalid. But am on other vehicle that has plpd. Is that proof of having insurance to drive another vehicle even if that vehicle is uninsured.

Answer given on February 06, 2014

In auto insurance, the insurance follows the car. If you are using another person’s car, then their insurance is the primary insurer in case of an accident.If that person does not have insurance, then your insurance will respond if you cause an accident. It will not pay for repairs to the car you are driving, but it will protect you if another person is injured or their car is damaged. It will pay up to your limits. If the accident damage and injuries are over your limit, then the other party could sue the owner of the car that you were driving, since they were responsible to have the car insured.It is never a good idea to drive a car that you know does not have liability insurance on it. If you don’t know, then ask and have them show you where the proof of insurance is.

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