Liability coverage: If you do not own a car but still drive on occasion (for example, borrowing a friend or family member's vehicle), liability coverage can protect you in case you cause damage or injury to another person or property while operating a vehicle.
Medical payments or personal injury protection (PIP) coverage: These coverage types can help pay for medical expenses for you and your passengers if you are injured in an accident, regardless of who is at fault.
Uninsured/underinsured motorist coverage: This coverage can protect you if you are injured in a collision with a driver who does not have car insurance or who does not have enough coverage to pay for your damages and injuries.
Comprehensive and collision coverage: While these coverages are typically associated with insuring your own vehicle, they can sometimes be extended to cover damage to cars you may rent or borrow. It's important to verify the specific terms and conditions of your insurance policy to understand the extent of coverage provided for these scenarios.
If you have any doubts or questions regarding your insurance needs or coverage, it is advisable to consult with an insurance professional who can assess your situation and recommend appropriate coverage options based on your circumstances and risk exposure.
