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Insurance on a license typically offers liability coverage, encompassing bodily injury and property damage liabilities. It helps pay for injuries or damages caused to others in accidents while driving borrowed or rented vehicles. However, it generally excludes coverage for damages to your car and might not include personal injury protection. 

Here’s what is covered under the insurance on a license and what’s not. 

Liability coverage 

Insurance on a license primarily offers liability coverage. This means it helps pay for injuries or damages you might cause to others in an accident while driving a rented vehicle. 

Bodily injury liability

This coverage helps pay for medical expenses, rehabilitation, and legal expenses if you’re responsible for injuries to others in an accident. It ensures you’re not personally burdened with these costs.

Property damage liability 

If you damage someone else’s property, like another car or a fence, this coverage helps cover the repair or replacement costs.

Exclusions to coverage 

It’s important to note that, unlike regular car insurance, insurance on a license usually doesn’t offer comprehensive or collision coverage, which would pay for damages to the vehicle you’re driving. It also might not cover medical expenses for you or your passengers.


Insurance on a license focuses on providing liability coverage to protect you from financial responsibility if you’re at fault in an accident. While it doesn’t cover all possible scenarios, it offers a vital shield against the potential high costs of injuring others or damaging their property. Always review your policy details to understand the extent of coverage provided.