Do I need my own auto insurance to borrow my friend's Kia Stinger?

I use my friend's Kia now and then, but I am not a driver on her policy. I don't have my own car or insurance. Should I get my own policy to drive her car?

Answer provided by
Shannon Martin
Answered on May 06, 2021
“You won’t need to get your own policy to drive your friend’s vehicle. It sounds like she is giving you “”permissive use”” to drive her car. The type of insurance she carries on her policy will extend to you as the driver since she has granted you permission.
Most insurance carriers allow for permissive use on an occasional basis. “”Occasional”” can mean once a month or less. If you drive it regularly, more than a few times a month, it would be a good idea for you to be added to her policy as a driver. “

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