heard something about insurance for someone that doesn't have a car. i guess the policy cover any car that he drives? does any one know anything about this kind of insurance?

 

Yes, this is called a non owner policy. Can I ask why you need one? If you drive rental cars very frequently this makes financial sense. But if you're driving a friend's car and get into an accident, your friend's insurance is still primary. Your non owner policy takes over only if the damage is higher than his coverage.

So what I'm saying is this isn't a way to borrow a car and insulate them from any adverse effects on their premiums in the event of an accident.

 

A friend told me that I should get one for my teenager for when he drives my yukon (5-7 x year). My son is not on the yukon policy.

 

Your teenager should be on your policy.

 

Well depending on the state, in California, your son would have to be on your policy. If not, your insurance company will have you sign something saying you will not allow your son to drive your car and if you do they can drop your coverage.

 

In my knowledge, ... at least the place/big city where I live needs Auto-Insurance for teenagers who wants to drive his/her parents cars, even driving on your own driveway. Otherwise, it'll be cancelled, ... or you, as a parents end-up paying all costs, in case your son causes any accidents. Auto-Insurance for teenagers is not cheap, quite expensive in comparison to adults, over 30, that applies both son/boys or daughter/girls. Because, nowadays, most of girls are said to be as aggressive and frequent drivers as boys'.

However, I believe that you, as a parent needs to think of unfortunate events, accidents. Besides, in case your son involved accident which is NOT his fault, who would defend him without auto-insurance and their representatives? There are a lot of people are not honest to say his/her story. Be cautious about this, too.