✔ 最佳答案
Good question and shows you are being responsible. Lots of interesting answers.
See my other posts for more detail.
As Raymond said, insurance is assigned to the vehicle. Drivers Ed does a terrible job as they always say "You need insurance to drive" It is not the best way to state it....Better is to say....If you own a vehicle you must buy insurance for that car. And if you drive a car that is not yours, you need to do your best to check that insurance is in place on that vehicle by asking the owner if a policy is in place, and making sure a valid insurance card is in the glove box, along with the vehicle registration.
In general any casual driver is covered by the policy on that vehicle.