It depends on the other person's insurance. Some types of insurance cover guest drivers. It also makes a difference if you're a family member and living in the same household as the car owner.
This depends on your coverage type. In general, the insurance follows the car. Below we list the two main types of coverage:
Keep in mind, that liability insurance usually only covers temporary car use. If you plan to borrow someone else's car for an extended period of time, your liability insurance may not cover you. If you plan to get liability insurance ask the insurer how their specific policy works.
This only applies when borrowing a friend or family member's car. If you're borrowing a rental or dealership car, liability insurance is enough.
Note that in some states, permissive drivers receive less coverage.
If you don't have your own car but plan to use someone else's often, consider non-owner car insurance. This type of policy provides liability coverage for drivers who don't have their own vehicle. It normally includes bodily injury and property damage liability. It might even include medical coverage and uninsured motorist coverage.
Check with potential insurers on what their non-owner car policy covers. A non-owner policy does not include comprehensive, collision, rental reimbursement, or towing coverage.
Contact Progressive for an easy quote, today. You can get more info and explore what's right for you.
A few tips to remember before borrowing someone else's car:
Being uninsured is a temporary situation. If you plan to drive, even if you don't have your own vehicle, the responsible action is to get yourself insured. This may mean basic liability insurance or non-owner car insurance.
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