Report it stolen.
Although your own auto insurance may very well follow you to a loaner vehicle. It only follows you as "Secondary" coverage. It is still the vehicle owners responsibility to provide "Primary" coverage for his or her vehicle when that vehicle is being operated on public roads regardless of who is driving it. Additionally, If an officer runs the license plate of the loaner vehicle you are driving and finds that it is uninsured. The driver will be ticketed. It is not the officers responsibility to determine if your coverage from your own vehicle transfers to the one you are driving. You could always argue that in court at a later time if you wish in your defense. If an at fault accident were to occur, Both the driver and the vehicle owner can be held financially liable for any damages or injuries that may occur, so the owner must still have the vehicle insured to cover his or her own liabilities even though they may not have been driving the vehicle at the time of the accident. Remember that it is the vehicle owners responsibility to provide "primary" coverage for the vehicle. Answer In all likelihood, yes, the car does need to be insured. This is because the vehicle in question would have to be properly registered in order to do this it must be properly insured. That being said, the owner of the vehicle can buy insurance just to cover the car while it's parked. Double check with your insurance company. It is likely to cover the car while you, the insured, are driving it.
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