If you are driving a non-owned auto and the at-fault party lacks sufficient insurance, what should you do?

The most appropriate course of action in this scenario is to file a claim under the coverage of the vehicle owner's policy. When you drive a non-owned vehicle, the owner's policy may provide coverage for damages incurred while you are driving their vehicle. Depending on the specifics of the policy, it may cover your liability and/or your injuries in the event of an accident with an underinsured driver.

This approach leverages the existing insurance to handle the financial repercussions of the accident. In many cases, the vehicle owner's insurance can cover both liability and any medical expenses incurred from the at-fault party's lack of sufficient insurance. It is crucial to notify the owner of the vehicle and the insurance company as soon as possible to ensure that the claim is processed properly.

Filing a claim against your own insurance might also be an option, but it largely depends on the specifics of your own policy and whether you have coverage for driving non-owned vehicles. Seeking a settlement from the at-fault party can be less effective if they lack sufficient insurance resources to provide compensation. Taking the case to small claims court can be considered, but it tends to be lengthy and may not yield a satisfactory outcome if the at-fault party is unable to pay. Thus, utilizing the owner's policy is