How can I be covered to drive a car that I don't own?

I live with my friend and her husband, and they will let me drive their extra car whenever I like. But they don't want to add me to their policy since it will be expensive. Since I can't get insurance on their car under my name, what should I do?

Answer
“This is a dilemma! You can’t insure a vehicle that you don’t own. Will they sell or gift the car to you? If so, you can get your own auto insurance policy and have the car registered under your name.
There is a type of policy called non owners car insurance, but this is only for when you are renting or borrowing a car occasionally. It is not meant for drivers who have access to a vehicle for daily use.
If they will not give you ownership of the car or add you to their policy as a driver, it would be in your best interest to get your own vehicle. “
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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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