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
“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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Shannon Martin
Answered on May 06, 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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