How do I get insured to drive any car?

I'm flying back to my hometown for a few weeks and I'll be driving my family and friends’ cars while I'm there. How can I get insured to drive any car?

Answer
Good question, and better safe than sorry! Many top insurance carriers offer non-owner car insurance.
This gives you liability coverage while you drive any car, no matter who owns it. If you were to get into an accident while driving a friend’s car, your non-owner car insurance would pay for damages that exceed the policy limits on your friend’s insurance plan.
However, non-owner car insurance is most helpful when you are frequently borrowing someone else’s car. If you only borrow a car for a few weeks out of the year, this coverage may not be worth the investment.
Car insurance usually follows the car instead of the driver, meaning that, as long as the owner of the vehicle has an active insurance policy, you’ll be protected in the event of an accident. But note that there are some exceptions to this, including:
  • If the provider requires all potential drivers to be named on the policy.
  • This is specific to each carrier, so have your friend or family member check with their insurance agent beforehand.
  • If you weren’t given clear permission to use the vehicle
These exceptions only apply if you are at fault in the collision. If you were not at fault, then the owner of the vehicle would file a claim with the other driver’s insurance.
If you want to look into non-owner car insurance or upgrade your existing policy, Jerry can compare rates from over 50 of the nation’s top insurance providers to get you the best deal.
Matthew Macgugan
Answered on Oct 22, 2021
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