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Can I Regularly Drive another Person’s Vehicle with No Insurance?

Written by Michele Wilmonen. Posted in Ask An Insurance Question, Research Last Updated: 08/21/2011

If you regularly drive a vehicle that you do not own it is still in your best interest to make sure there is insurance coverage in place.

Liability insurance coverage is required to drive in every state.

For example, in the state of Texas there has to be some evidence of insurance on the vehicle to avoid penalties. With their new TexasSure program it is the owner of the vehicle that is the one responsible for providing verification of insurance coverage.   

If you are driving a vehicle on a regular basis that is owned by someone else, insurance companies require that you be listed on their policy. If you are not listed and are a regular driver, they could deny coverage in the case of an accident.

If you are driving a vehicle and the owner of the vehicle does not  list you on their policy and refuses to give you any information in regard to the insurance coverage (if any) for the vehicle it would be wise to purchase a non-owner insurance policy.

A non-owner policy provides insurance coverage for you on any vehicle that you drive. You do not have to own a vehicle to be able to get this coverage and it is usually a very cheap policy.

Even if you are not the owner of the vehicle it is prudent for you to make sure that there is insurance in place. In some states both the driver of the vehicle and the owner of the vehicle will be ticketed for no insurance if there is an accident or the driver is pulled over.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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