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What should I do if I'm borrowing a car that doesn't have any insurance?
My aunt said I could borrow her car for as long as needed. However, she doesn't have car insurance on it. How can I protect myself if I get into an accident or pulled over?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Car insurance is a requirement in every state, and depending on where you live, the penalties for
driving without insurance
can be steep. If you’re driving a car that doesn’t have insurance, there are two options to protect yourself:- Buy an insurance policy for the vehicle
If you’re buying an insurance policy for the vehicle, the vehicle owner will be listed as the primary driver, and any other drivers will be listed as additional drivers.
A non-owner car insurance policy is also a good option that’s generally cheaper than buying a liability-only insurance policy. It’s a type of secondary coverage designed to supplement a primary insurance policy on the owner’s policy.
As with a standard car insurance policy, non-owner car insurance provides set amounts of:
- Bodily injury liability: Pays for medical bills and related expenses if you cause a car accident in a vehicle you don’t own.
- Property damage liability: Covers damages to another person’s property if you cause an accident in a car you don’t own.
Depending on your state, a non-owner car insurance policy may also include the following:
View full answer
- Gregory R.
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