[leetNightshade]

If you've read other comments here you'll find that is actually typically not the case in the US. You can drive a friend's car and be insured because the insurance is tied to the car regardless of who's driving it; granted it's not black and white.

https://www.esurance.com/info/car/myth-car-insurance-follows... http://www.claimsjournal.com/news/national/2014/06/05/249762...