Can I get insurance on myself to drive a car that’s already insured?

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Asked June 21, 2017 by Andy Villena

1 Answer


Yes, you can get insurance on yourself to drive a car that's already insured, as long as you have the permission of the owner of the car to drive it. There are two types of insurance coverage that can come into play in this situation: liability coverage and comprehensive/collision coverage. Liability coverage is the most basic type of car insurance and is typically required by law in most states. It covers the cost of damages or injuries you may cause to others if you're at fault in an accident while driving someone else's car. If you have liability coverage on your own vehicle, this coverage may extend to a borrowed car, but you should check with your insurance company to confirm. Comprehensive and collision coverage, on the other hand, provide protection for damages to the car itself, regardless of who's at fault in an accident. If the car you're borrowing has comprehensive and collision coverage, it may not be necessary for you to purchase additional coverage. If you're going to be driving someone else's car on a regular basis, it may be a good idea to add yourself as a named driver to their insurance policy to ensure you have adequate coverage in the event of an accident. This is especially important if you don't have your own car insurance policy, as you may not have any coverage at all if you're involved in an accident while driving someone else's car. In summary, you can get insurance on yourself to drive a car that's already insured, but the coverage you need may depend on the type of insurance the car owner has and the extent of your driving needs. It's important to discuss this with the car owner and their insurance company to ensure you have adequate coverage in the event of an accident.

Answered June 23, 2017 by FastQuotes

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