Rules for Insuring Someone Else’s Vehicle

Many insurance companies set their own standard of rules and regulations when it comes to insuring a vehicle that does not belong to you. Some legal professionals will usually state that you are not usually allow to have an insurance policy in your name for a vehicle that is owned and registered to another driver. This means that you may be unable to insure your friend’s vehicle for them. The person that owns the vehicle and whoever the car is registered to is usually the only person that is able to purchase an auto insurance policy for their car.

However, if you operate someone else’s vehicle, you may be able to purchase a non-owner’s insurance policy. This policy may include coverage for liability, medical, and uninsured motorists. A non-owner’s insurance policy may not include collision or comprehensive coverage. For more information, please see “In What Case Do I Need Non-Owner Auto Insurance?”.

There are things that you can to do to make sure that you are able to insure someone else’s car, such as:

• Using the Internet and reviewing numerous websites to find options regarding non-owner auto insurance.
• Contacting insurance companies and discussing their regulations for non-owner auto insurance.
• Informing the insurance company or your agent that the vehicle you are attempting to insure does not belong to you.
• Making sure that you clearly inform your insurance agent of the current situation to avoid any confusion.