Sure, here's a two-paragraph answer to the question Do I need car insurance if I don't own a car but live with someone who does and it's registered in their name in the US?
If you don't own a car but regularly drive a car owned by someone else, you may want to consider non-owner car insurance. This type of insurance provides liability coverage in case you cause an accident and the car owner's insurance limits aren't enough to cover the damages. Non-owner car insurance is secondary coverage, meaning it kicks in after the car owner's primary insurance has been exhausted. It's important to note that non-owner car insurance only covers the driver, not the car itself, and it typically doesn't cover comprehensive or collision damage.
If you live with someone who owns a car and drives it, you may be covered under their insurance policy. However, it's important to check with their insurance provider to see if you're listed as a driver on their policy. If you're not listed, you may need to purchase non-owner car insurance to ensure you're covered while driving the car. Additionally, if you frequently drive cars owned by others, non-owner car insurance may be a good option for you. It's important to shop around and compare quotes from different insurance providers to find the best coverage for your needs.