In which situation would your policy apply if an accident occurred?

The scenario in which your policy would apply involves the situation where a taxi driver friend borrows your vehicle with permission. This is because most automobile insurance policies are designed to provide coverage for individuals permitted to use the vehicle by the insured. When you give explicit permission to someone to use your car, such as your friend who is a taxi driver, the insurance coverage typically extends to them while they are driving your vehicle.

In this case, the insurance policy is likely to cover any damages or liability that may arise from an accident that occurs during the time your friend is operating the vehicle, as long as the friend is a licensed driver and the use of the car falls within the policy's terms and conditions.

Other scenarios have specific nuances that may affect coverage. For instance, if your 15-year-old son takes the family car without permission, this situation would generally not be covered because the use was unauthorized. When a valet parking attendant parks your car, many insurance policies do provide coverage, but specific provisions may apply that depend on whether you are present or the circumstances of the valet's actions. Finally, a mechanic taking your car for a road test post-repair often falls under commercial insurance provided by the repair shop, rather than your personal auto policy.