First of all, in order to be covered, you need to be driving the vehicle with the permission of its owner. If you reside in the vehicle owner's household, in order to be covered, you will need to be listed as a driver on the vehicle owner's insurance policy. If you do not reside in the vehicle owner's household and you drive the vehicle with any kind of regularity, in order to be covered, you will need to be listed as a driver on the vehicle owner's policy. If you do not reside in the vehicle owner's household, you do not drive the vehicle with any kind of regularity, and you are driving the vehicle with permission, you should be covered to the extent the insurance company allows in its underwriting guidelines.

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