Ellsworth Mcauliffe

Question: How does car insurance work if someone lends you their car?

I'm 16,licensed. No car at the moment,but I'm insured on my moms car.(mom and dad are seperated). My dad says he'll let me take his car out when I'm over but I'm not on his insurance. Would it cover me since I won't be driving it regularly?or would it not. And if I wrecked would it affect my license? (Tennessee)

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