Can I Drive Someone Else's Car If I Don't Have Insurance?

A general rule of thumb for this question is that most auto insurance follows the car not the driver. In this case, if you are a licensed driver, who does not have insurance, you will be covered as long as the owner of the vehicle has insurance.

The owner of the vehicle must also give you permission to take the vehicle and you have not been excluded from the policy. 

Another important thing to note is that this cannot be part of a routine. For you to be covered, it must be a rare driving occupancy. It cannot be a weekly scheduled thing, such as you taking the car every Thursday. 

If it is part of a routine, then for you to be covered you must be on the insurance as an occasional driver, which will raise the rates. 

It must be noted that every state / province is different with regards to their laws, and likewise every insurance company is different. 

It is best to always check with your auto insurance company and the insurance company of the person's vehicle you wish to drive to ensure that you will be covered.

The terms of car insurance policies generally differ extensively depending on a number of factors, including decisions by the insurance company, state laws, and the extent of coverage the policyholder opts to receive. Depending on how the policy is written, an uninsured driver may or may not be allowed to drive a friend's car.

According to MSN, it may not be wise to allow someone to drive your car if he is under-insured. If he gets in an accident in your vehicle, you will still have to file the claim with your insurance company and your insurance premiums will rise as a result. Additionally, if that person lacks insurance and the damage he causes exceeds your own coverage, you can be sued by the injured party.