Under a commercial auto policy with drive other car coverage, which situation would provide coverage?

Drive Other Car coverage in a commercial auto policy is designed to provide coverage for individuals when they are driving a vehicle that is not owned by them. This coverage typically applies to situations where the primary insured is using someone else's vehicle with the owner's permission.

Driving a neighbor's auto falls under the category where coverage would be applicable. In this scenario, the insured is driving a vehicle that they do not own and are doing so with the permission of the vehicle’s owner. This aligns with the intent of Drive Other Car coverage, which is to extend liability coverage to the insured when using an auto that is not listed on the commercial policy.

In contrast, while driving an insured friend's auto, a rental vehicle, or a company vehicle may involve specific circumstances that might not be covered under Drive Other Car provisions, they do not typically fit within the intended context of this coverage, which is specifically tailored to provide flexibility for personal use in non-owned vehicles. Each of these other situations may rely on different types of coverage or existing policies that provide protection.