Reader’s Question:

I have a driver’s license in Kentucky, but I do not have a vehicle. I have been driving my brother’s car. He has car insurance, but I am not listed on the insurance policy as a driver. Can I still drive his car? What’s going to happen if I get involved in an accident?

Jean

Louisville, KY

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