In which situation would your auto insurance policy apply in an accident?

The correct choice pertains to the scenario where a friend borrows your vehicle with your permission. In most auto insurance policies, coverage extends to any authorized driver of the vehicle, meaning that if you have given someone permission to use your car, they are typically covered under your policy. This coverage generally includes liability protection for damages or injuries that may occur during the use of the vehicle.

The rationale for this coverage is rooted in the concept of permissive use, which recognizes the responsibility of the vehicle owner to ensure that the individuals they grant permission to are adequately covered. It reflects the understanding that accidents can occur regardless of who is driving, as long as they have the owner’s consent.

In contrast, the other situations often fall outside the scope of typical auto insurance coverage. For instance, if a 15-year-old drives the car without permission, there is usually no coverage because the driver is not authorized. In the case of a valet parking attendant, responsibility during valeting may depend on the specific terms of the policy or the valeting company’s liability insurance. Similarly, when a mechanic takes a car for a road test, coverage may vary based on the agreement with the service provider and how the policy defines coverage for non-family, non-friend situations.

Therefore