Generally speaking,
insurance goes with the vehicle.
For example, if you have an accident while
driving someone else's vehicle,
the owner's insurance would first, be applied
toward damages to the vehicle.
Your Auto insurance would also generally apply in
the event that the
owner of the vehicle had no Auto insurance or did not have
enough auto insurance to pay for the damages.
Personal Injury Protection, which
varies from state-to-state,
covers the individual under their individual policy.
For example,
if my friend is driving my vehicle and gets hurt in an accident, my
Auto insurance will cover the damages caused to my vehicle,
but their Auto
insurance will cover injuries caused to their person.
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