* You're not covered by the owner's insurance: While the owner's insurance covers the car, it won't necessarily cover you as the driver.
* You're financially liable: If you cause an accident, you'll be responsible for any damages or injuries, even if it was a minor incident. This could lead to significant financial hardship.
* It's usually a legal requirement: Most states mandate that anyone driving a car, regardless of ownership, has liability insurance.
Here are some options for getting insurance:
* Add yourself to the owner's policy: The easiest option is to have the vehicle owner add you to their policy. However, this may increase their premiums.
* Get a non-owner's policy: These policies are specifically designed for people who don't own a car but drive regularly. They provide liability coverage in case of an accident.
* Ride-sharing insurance: If you drive for a ride-sharing service like Uber or Lyft, you'll need their commercial insurance coverage.
Always check your state's specific requirements: Some states have stricter rules regarding driving without owning a vehicle.
It's crucial to be properly insured when driving someone else's car. It protects you financially and legally in case of an accident.
