there are 2 options, depending on the state you live in: a named operator policy or a broadform named driver policy (A third option would be a financial responsibility bond, but those are very rare. Ohio may be the only state that has it). most states have the named operator policy, quite a few states have the broadform policy.
both policies offer liability, medical payments, and uninsured motorist coverage. But neither policy offers comprehensive or collision coverage. Also, both policies will work for you if you need an SR22 or FR44 filing.
I would suggest you start by contacting a local insurance agent. The company I represent refers to it as a "non-owned" auto policy. A non-owned auto policy is a good way to keep continuous liability coverage. This will result in overall lower rates when you once again have a car.
The non-owned auto policy will extend liability protection to a vehicle you borrow. This can be as primary or secondary depending on what type of coverage the owner has on the vehicle. Keep in mind, the vehicle itself is not covered. However, any bodily injury or property damage you cause by driving the borrowed vehicle will extend accordingly up to the limits of your policy.
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both policies offer liability, medical payments, and uninsured motorist coverage. But neither policy offers comprehensive or collision coverage. Also, both policies will work for you if you need an SR22 or FR44 filing.
The non-owned auto policy will extend liability protection to a vehicle you borrow. This can be as primary or secondary depending on what type of coverage the owner has on the vehicle. Keep in mind, the vehicle itself is not covered. However, any bodily injury or property damage you cause by driving the borrowed vehicle will extend accordingly up to the limits of your policy.