PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Do I need a car insurance policy to drive a neighbor’s car in NY?
I have a driver's license in NY but do not own a car. Do I need my own insurance policy to borrow and drive my neighbor’s car?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“It can depend on how often you borrow their car. If you are borrowing a car from the same person on a regular basis, you should be added to their insurance policy as a driver.
If you are borrowing the car for one-time use, or if you borrow vehicles infrequently from multiple people, you do not need to do anything, provided that their insurance policy allows coverage for permissive use (you using the vehicle with their permission).
If you intend to rent or borrow vehicles on a regular basis, you should look into getting what is referred to as a
non owners car insurance
policy. This provides liability coverage
for bodily injury
and property damage
while operating another person’s vehicle. It can also include personal injury protection for yourself.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance for Your Car
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
