I live in California and have valid California drivers license. Currently without vehicle. Can I insure myself so I can drive friends vehicle or rental vehicle?
Total Comments: 2
Posted: Thu Jan 23, 2014 12:57 pm Post Subject:
Yes, of course. It's called a "Named, non-owner" policy. You will probably not find it online, but almost any agent/broker can help you get what you need. You'll be rated based on your driving record, age/licensed experience, and the approximate number of miles you drive annually.
Coverage will include bodily injury and property damage liability, and I personally believe you should add optional Uninsured/Underinsured Motorist coverage. But because the type of vehicle you drive is indeterminate, you will not have collision or comprehensive/other-than-collision coverage. So when you rent a vehicle, you may want to pay for that protection at the rental agency, otherwise you remain 100% liable for damage to the vehicle -- even if caused by a third party (although their insurance will pay some/all of the loss).
Posted: Thu Jan 23, 2014 01:18 pm Post Subject:
Like Max said you can have a named non-owned policy however if you "borrow" a friends car their insurance is still primary insurance for the car insurance follows the car not the driver your policy would be a secondary to the main policy
Posted: Thu Jan 23, 2014 12:57 pm Post Subject:
Yes, of course. It's called a "Named, non-owner" policy. You will probably not find it online, but almost any agent/broker can help you get what you need. You'll be rated based on your driving record, age/licensed experience, and the approximate number of miles you drive annually.
Coverage will include bodily injury and property damage liability, and I personally believe you should add optional Uninsured/Underinsured Motorist coverage. But because the type of vehicle you drive is indeterminate, you will not have collision or comprehensive/other-than-collision coverage. So when you rent a vehicle, you may want to pay for that protection at the rental agency, otherwise you remain 100% liable for damage to the vehicle -- even if caused by a third party (although their insurance will pay some/all of the loss).
Posted: Thu Jan 23, 2014 01:18 pm Post Subject:
Like Max said you can have a named non-owned policy however if you "borrow" a friends car their insurance is still primary insurance for the car insurance follows the car not the driver your policy would be a secondary to the main policy
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