If someone does not own a vehicle but wants liability, medical payments, and UM coverage while driving someone else's car, what should they purchase?

Purchasing named non-owner coverage is the appropriate choice for someone who does not own a vehicle but wants liability, medical payments, and uninsured motorist (UM) coverage while driving someone else's car. This type of policy provides essential liability protection for the driver when operating vehicles that are not owned by them. It typically covers bodily injury and property damage to others in the event of an accident, as well as medical payments for the driver and passengers in their vehicle.

Named non-owner coverage is specifically designed for individuals in situations where they may occasionally drive others' vehicles and want to ensure they have adequate insurance while doing so. This type of policy helps fill the gap that exists for those who might not typically require a full auto insurance policy due to the absence of a personal vehicle.

In contrast, a standard auto policy primarily provides coverage for the vehicle owner and their vehicles, which would not be applicable in this scenario. A rideshare policy is tailored for those who drive for ridesharing platforms, frequently including coverage extensions not relevant to non-commercial use. Comprehensive coverage focuses on protecting a vehicle from non-collision risks like theft or vandalism, which is not relevant since the individual does not own a vehicle.