Do I need a non owners policy if I borrow my friend's cars?

I borrow cars from different friends all the time. I don't have my own policy, but I think their policies may cover me. Should I get my own policy?

Answer
“In most cases, your friends’ car insurance policy will cover you. If you are a regular operator for one particular car, they really should add you as a driver to their policy.
Many people get peace of mind by buying non owners car insurance. This policy provides you with liability coverage for vehicles that you may rent or borrow.
In the case of borrowing a car, the policy your friend carries on the car would pay out first in the event of a claim, and then your policy would handle the overages.
You can get car insurance quotes online for non owners policies with many of the big-name carriers like Progressive, Allstate, and Nationwide.
Using an intelligent AI-based tool like the Jerry app will help you find great prices. Jerry works with over 40 carriers and will send quotes to your phone in minutes. “
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Shannon Martin
Answered on Apr 29, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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