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You need to have your sister schedule you as an covered driver on her auto insurance policy to be covered.

Non Owners Insurance will not cover you in any vehicle to which you have regular access.

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Q: Your sisters car that you'd driving have insurance do you need to get non owner insurance?
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Does a chimpanzee driving a lawnmower on the road need a license or insurance?

No, it doesn't. But its owner will need them, and an attorney as well.

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Does the owner of the car need insurance on that car if they are not the one driving the car?

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