1. Can you get insurance on a car that you don't own?
Yes, you can get insurance on a car you don't own, but only under certain circumstances.
* If you are a named insured on the policy: This means you are listed as an insured driver and have permission to drive the vehicle. The owner of the vehicle will likely be the primary insured, but you will be covered under the policy as well.
* If you are renting a car: You will be covered by the rental company's insurance policy, but you may also need to purchase additional coverage for things like collision damage waiver (CDW).
* If you are driving a car for work: Your employer may have a policy that covers employees who drive company vehicles.
2. Can you share an auto insurance policy with someone who owns the car?
Yes, you can often be added to someone else's car insurance policy. This is called "shared coverage" and is often a good option for family members or roommates who share a car. The policyholder is typically the owner of the vehicle, but other drivers can be added as named insureds.
3. Can you have your own insurance policy on a car that someone else owns?
No, you cannot have your own separate insurance policy on a car you don't own. Insurance policies are tied to the vehicle and the owner.
It's important to note that:
* You need permission from the owner to drive their car. Driving someone else's vehicle without permission can be considered theft and may not be covered by insurance.
* Your own insurance policy may not cover you while driving someone else's car. You may need to purchase additional coverage, especially if you're involved in an accident.
If you have specific questions about insuring a vehicle that you don't own, it's best to contact an insurance agent or your insurance company directly. They can advise you on the best course of action for your situation.
