I Need New York Car Insurance For 1 Day?
Reader’s Question:
I need to borrow my sister’s car car for just a day. The vehicle is insured by my sister in the state of New Jersey and I am a licensed New York driver. Am I covered in case of accident? Do I need car insurance for just 1 day?
Albert
New York, NY
The best thing to do to be sure that you are properly covered in case of an accident in your sister’s car is to have them check with their insurance company to make certain their insurance coverages would be extended to you when you borrow the vehicle for a day.
Insurance coverages typically will be extended to relatives and friends living outside of a household without them being added on the insurance policy as long as they are given permission by the owner to operate the car. There are some insurance policies that have certain exclusions though that keep the insurance policy coverages from being extended to other motorists, even if given consent to operate the car.
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