Do I Need Auto Insurance to Drive Someone Else’s Car in Illinois
Reader’s Question:
If you do not own a vehicle right now but I do have a driver’s license in Springfield, Illinois. In Illinois am I required to get car insurance to use someone else’s automobile occasionally?
Becky
Springfield, IL
The car insurance policy on an automobile that you may borrow occasionally should cover you.
Auto insurance policy terms may differ, so the individual who owns the vehicle that you operate occasionally, and therefore has the car insurance policy on it, should read over their automobile insurance policy and talk to their car insurance agent to be sure you are properly covered to drive their car from time to time.
If it is a family member’s vehicle (the same household you live in) that you are driving on rare occasion then normally you will be required to be listed to their car insurance policy and be rated as a driver.
If you do not have an automobile you may not be required to get your own automobile insurance policy in Springfield, Illinois so then you can buy a non-owners policy. This non-owners car insurance policy is an additional coverage to provide you insurance liability protection if you are at fault and do not own an automobile.
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