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Can you be insured on any car?
How do you get insured on any car? I don't have a car, but I've got some errands to run. I'd like to borrow a few of my friend's cars, but I need to make sure I'd have insurance in all of them.
Joshua Levy · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“It’s great you’re thinking ahead! In most cases, insurance typically follows the car, not the driver. So you’ll likely be covered, as long as the car you’re driving is insured. But remember, that kind of coverage comes with a few caveats.
Before you borrow someone else’s car, you’ll want to check their provider’s policy on permissive use. Permissive use means a vehicle’s insurance covers you if you have permission to use it. Most insurance companies allow permissive use, but it’s always better to check before you hit the road.
It’s also important to note that someone’s insurance may not fully cover an accident. Let’s say you get in a $50,000 accident, and the car’s insurance only covers $30,000. You’ll be on the hook for the extra $20,000 unless you have your own coverage.
In this situation, you might benefit from
non-owner insurance
— a specific kind of liability coverage for people who don’t have regular access to a vehicle, allowing you to have insurance on any car you drive. If you think it’s time to buy new coverage but don’t know where to start, try
Jerry
. A licensed broker, the Jerry app does all the hard work of finding the cheapest quotes from the top name-brand insurance companies. It’ll even help you compare your options and buy a new policy!”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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