Typically, insurance "follows the car" rather than the driver. An individual that does not own a car can generally obtain "non-owners" coverage that provides liability coverage to him/her regardless of the car driven.
Comprehensive coverage may be the closest to the kind of coverage about which you ask. It provides physical damage coverage to the vehicle against risks unconnected with collisions (such as a tree falling upon it, a rock hitting the windshield, and various other risks outlined in the coverage). However, comprehensive coverage is generally sold and purchased in connection with collision coverage.
You can buy a non-owner's policy. Contact an agent with Viking Insurance company.
When a car is borrowed (with permission) the insurance of the car owner is primary and the insurance of the driver is secondary. Here, the car owner has no coverage to pay for the damage to his/her own car, so the driver's liability insurance would cover the cost of the car. That is assuming the driver has liability insurance, if the driver doesn't have liability insurance, the car owner is stuck (unless he sues the driver).
Insurance follows the car, not the driver. So as long as the automobile is insured, so is the driver. Just make sure the driver has a valid driver's license.
It is more likely you will be sued by the insured driver's insurance company. Just because the other driver had insurance, that does not exonerate you from having to pay damages if you are liable.
In the United States, anyone who is able to get a driver's license can get car insurance. The driver's license holder must be have insurance in their own name, or they can be added to a primary driver's insurance.
Several insurance companies will gladly offer a quota for car insurance to a convicted driver. The quota will not be low, and it will probably cost the driver as much as a new car will.
Usually the insurance policy of the owner of the car is primary and then if the driver of the car has a policy of their own then it is secondary.
If you are both going to be driving the car, you should add the co-leaser on the drivers insurance as an additional driver. If it's just going to be the first leaser, then I would say only the driver has to carry the insurance.
How do you get car insurance on the driver only
yes ,you can add driver's name in your insurance policy.
The type of car insurance that you get really depends upon if you're a young driver, if you need Classic Car Insurance and etc. All drivers in Pennsylvania are required to have at least a $5,000 Property Insurance just in case you hit a fence or something.
It is if you are listed on the policy as a driver.