If you are a named driver on her policy, then effectively you are covered under two different policies on two different cars. Your own policy or lack of current insurance on your own car is irrelevant if you are driving her car, as you are covered by her policy....
Second, related question.
If I am named on her policy but have no insurance of my own I presume I am covered (not sure if this is the case though) to drive her car?...
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