Q: Can I drive my friends car if I have car insurance but they don’t. He seems to think that it’s ok to let me drive it because I have insurance.
AIS Answer: If you have current automobile insurance, you can drive most street legal vehicles – but, if that specific vehicle isn’t covered under an existing insurance policy, it would be advisable that you do not operate it, or any other uninsured vehicle before talking to a licensed insurance agent or company in your state.
Also, every state has its own driving laws so it’s not a question that can be answered without knowing specifics, and even then you’ll need to refer to a licensed insurance agent in that state. In many states (like Arizona) you must carry current automobile insurance on any registered vehicle. If that’s the case in your state, the vehicle and the registered owner are already in violation of the law for not insuring the vehicle and the vehicle would not be allowed on the road until it was registered and insured.
The best thing you could do is not operate any vehicle that does not carry current car insurance, especially if it’s a requirement in your state. A whole mess of trouble could be on the other end of that if you’re pulled over or even worse, in an accident.
Ask yourself these questions…
- What if you were pulled over and could not provide proof of insurance?
- How would you defend a ticket for driving without valid automobile insurance for a vehicle that wasn’t insured?
- What if you were in an accident and the vehicle had a suspended registration because of no insurance?
- Would your personal insurance company deny a claim on a vehicle that wasn’t on your policy?
As stated, please talk with your insurance agent or company for advice on this issue. Your insurance company can tell you if they would cover this situation, and give you advice on what you should or shouldn’t do regarding driving uninsured vehicles.
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