<prompt> Human: I drive her car maybe once or twice a month, usually just to get groceries. I did some googling and learned you can still get something called non-owner car insurance, which seems to cover liability above and beyond what is on the actual owner of the cars insurance. Is that generally correct? If so, do I really need this sort of coverage or is it overkill? My fiancees liability coverage is 300,000 which seems more than sufficient to me so long as it covers my ass if I borrow her car and negligently drive it onto a bus load of orphans.  <response>: You should be listed as a driver on her insurance policy. 