Written by What is temporary car insurance?
This is a common misconception among consumers. In America, there is no such thing as a “temporary auto insurance” or “short term coverage” policy. However, what you’re looking for may already be covered under a current automobile insurance policy.
Let’s use this scenario.
You’re traveling with your friend in their car across the country and you plan on doing some of the driving. Your question is simply “Will I be covered if I drive my friends car?”. The answer is straightforward, but not so simple. It depends on the current coverage.
If your friend and owner of the vehicle has an auto insurance policy (which is HIGHLY recommended – and, well legal) then yes you’re likely covered as long as you have permission to drive the vehicle, unless of course you’re on their policy as a named driver exclusion – meaning you’re not allowed to drive the vehicle and your friend has agreed to exclude you from the policy (this is rare if you do not share a residence). Another possible area of coverage is your own car insurance policy. Most insurance companies will cover not only your vehicle, but also your use of any street legal vehicle you drive.
Important note. Beware of companies that are offering short term or temporary car insurance, it simply does not exist in the U.S. It’s all or nothing with auto insurance and that means you need to carry it at all times if you’re going to be operating a motor vehicle.
Please check with an insurance agent about your coverage if you have any questions at all regarding fault and liability with your vehicle or any other vehicle you drive.
