Many auto insurance carriers have limitations, exclusions, or restrictions for these occasions. For instance, if you own a vehicle with a maximum value of $5000.00, many carriers will not pay any more than that for any vehicle you damage while driving. If you happen to be driving a $20,000.00 vehicle, this could create a problem. We suggest you check with the owner of the vehicle you will be driving to be certain you are covered under his/her auto insurance benefits. In addition, you should check with your local agent to ensure how your coverage will extend.