If you are driving your friend's vehicle with any kind of regularity, you should be listed on your friend's policy as a driver. Otherwise, your friend runs the risk of having the insurance company deny coverage for a claim if you involved in an accident with that vehicle. As a result you and your friend can be held accountable for that accident. If your friend does not add you to that policy as a driver, to protect your interests, you may consider purchasing a 'named non owner' insurance policy. This policy will provide coverage for liability, medical payments, and uninsured motorist coverages for someone who does not own a vehicle and will be operating a vehicle owned by someone else.

Remember, you can click here to get an auto insurance quote to compare your rates.