Mark is a college student who frequently borrows cars. What type of coverage should he get to ensure liability while driving someone else's car?

The appropriate choice for Mark is non-owner coverage. This type of insurance is specifically designed for individuals who do not own a vehicle but still drive cars that belong to others. It provides liability protection, which covers expenses incurred due to injuries or damage to third parties while using someone else's vehicle.

Non-owner coverage helps ensure that Mark is protected in the event of an accident when he is driving a borrowed car, fulfilling state requirements for liability coverage. It is beneficial for those like Mark who may not own a vehicle but still need to drive occasionally.

Comprehensive coverage typically protects against damages to a personal vehicle from events such as theft or natural disasters, which would not apply since Mark borrows cars. Personal auto liability coverage generally applies to a policyholder’s own vehicle and does not cover liability when driving someone else’s car unless specifically allowed. Standard liability coverage, while related to personal responsibility for damages, does not adequately address the specific need for someone who does not own a vehicle.