1. Non-owned auto insurance: This covers you when driving a vehicle you don't own, like a rental car or a friend's car. It's usually included as part of your personal auto insurance policy.
2. Commercial auto insurance: This is designed for businesses and organizations that operate vehicles, and it can cover a wide range of vehicles, including those owned by the business and those driven by employees.
It's important to note that neither of these options allows you to drive any vehicle without limitations. Non-owned auto insurance typically has limitations on the types of vehicles it covers, and commercial auto insurance is only for business purposes.
If you want to be able to drive any vehicle, you would need to obtain separate insurance for each vehicle you drive.
It's crucial to understand the specific limitations and coverage of each insurance policy before you drive any vehicle.
