Here's why:
* Ownership: Car insurance is a contract that protects the owner of the vehicle from financial losses related to accidents or damage. Insurance companies need proof of ownership to issue a policy.
* Liability: If you're driving a car you don't own, the owner is legally responsible for any accidents or damage you might cause. Their insurance policy would cover the damages, not your personal insurance.
* Risk Assessment: Insurance companies assess risk based on various factors, including the car's value, your driving history, and your age. Without ownership, they can't accurately assess the risk.
What can you do if you're driving a car you don't own?
* Check the owner's insurance: The owner of the car should have insurance that covers you as a driver. Make sure you're added to their policy.
* Get temporary insurance: If you're borrowing the car for a short period, you can sometimes get temporary insurance through the owner's insurance company or a specialist provider.
* Rent a car: If you need a car for an extended period, consider renting one. Rental cars usually come with insurance coverage.
Remember, it's crucial to have proper insurance coverage when driving any car. It protects you and others in case of an accident.
