Q: Is it legal to drive my friends vehicle without him in the car if I'm not on the insurance?
A: It's a different question if it's "legal" versus if it's covered by his insurance. It's "legal" as long as you have your friend's permission to drive their vehicle.
However, their insurance policy's terms would determine if you were a covered driver or not. Each policy is worded differently and most operate under one of two basic assumptions: 1) Everyone is covered unless their name is specifically listed as not covered; 2) No one is covered unless their name is specifically listed.
Your friend and their insurance agent should be able to figure this out for you.
I wish you the best.
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