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Each US state regulates it's own insurance needs through it's state legislature. Insurance for a loaner would depend on the type of Policy that the Vehicle owner currently has in place as required in that state. It could also depend on the nature of the vehicle loaned or hired. If the Owner has a Limited Liability or a Named Driver Policy then no other drivers may be covered even with permissive use. If the owner has purchased a Broad Form Auto Insurance Policy then generally permitted drivers are covered.
It is a common misnomer that Auto Liability follows a vehicle. In Fact, Auto Liability Insurance covers and follows the named insured(s) (usually the vehicle owner) and the named insureds legal liability that may arise out vehicle ownership and operation. Most liability coverage will even follow the defined insured to a replacement vehicle, When on a standard form auto insurance policy, liability coverage is afforded even when tertiary or third party through an accident of a permitted driver. This point of concept of vicarious legal liability of a property owner and the contracted liability of the Specific Policy Form offered by an Insurance Company is where the misunderstanding arises. Limited lines Policies though economic can leave gaps in coverage so it's best that all drivers even non owners carry financial responsibility.
The Concept definitions of Legal Liability of the owner of a property and the Financial Responsibility of all vehicle operators on public roads is determined further in the US by the regulations of the individual state of registration.
AnswerAccording to law if the owner of the vehicle has insurance on the vehicle, and "loans" you the car, and you are listed as an occasional driver of that vehicle, then you are covered. Otherwise, you will have to purchase your own policy. Dependent DriversBe careful. The answer to your question varies from state to state and you need to check the laws in your state. In the state where I live, an under 25 driver who lives with you must be insured on your policy to drive your car and it's very expensive. Insurance coverage is different if someone who does not live with you uses the car for your convenience. It can get very complicated. Insurance companies are doing more and more to mitigate rising costs of repairs, medical treatment and their liability.
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Can insured person drive an uninsured car?
We need to know what he's insured for. If he's insured to drive the car, then yes. If he's insured with life insurance, then no. But normally it's the car that carries the insurance.
If you do not have insurance but the car is insured are you okay to drive it if you are not the primary driver?
Insurance follows the car, not the driver. As long as the car is insured and you have permission from the owner to drive it, you are covered.
Can you drive a car that is not insured but you have insurance in the UK?
In the UK you must have insurance that covers you to drive the car in question.
Is it legal to drive without insurance in florida if the car your driving is insured?
If the car you are driving is insured then you are not driving without insurance.
Can you drive a car that has insurance but not under your name?
If you're liscensed, and have permission from the person under which the car is insured, you are able to drive the car if it is insured even if you yourself are not insured
Am I insured if I have an accident while driving some else's car?
If you have insurance yourself you are insured to drive someones car. If you have an accident your insurance will cover it.
Do you need insurance to drive someone else's car?
The car is insured not the driver however many policies have restrictions as to who may drive the insured vehicle.
Can you buy insurance if you do not own a car but drive a car which belongs to someone else who is not insured?
The vehicle is insured not the individual. You can pay for and obtain the insurance in the name of the owner with you listed as an insured operator.
Are you insured if you drive someone else's car?
that depends on their insurance policy
If you drive your mother's car and I'm fully insured can I drive it?
No only those designated by the insurance holder may drive the car.
Can you drive your dad's fully comprehensive insured car with his permission?
It depends how old are you and whether or not you are an insured driver under the terms of the terms of your Dad's insurance policy. Your Dad's insurance agent can tell you if you are insured to drive the vehicle.
Does the car you want to drive with learner insurance on it need to be insured elsewhere before you can drive it?
There is no such thing as learner insurance. Any vehicle you wish to drive must be insured if mandated by law in your State, Province, etc.
