If you are at work and required to test drive cars with buyers, there is most likely a business policy through work that covers you. If you are borrowing cars from friends with permission, then you are covered under there insurance. Some companies may require you to be added to your friend's insurance if you use their vehicle regularly. There is a policy called a non-owner policy that you may purchase for additional coverage for yourself. This will give you property damage liabiliy and Bodily injury liability for others, while not owning your own car.

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