This doesnt make sense. From my understanding I am covered in anybody's vehicle. I don't carry state minimum though. My SIL got dinged because she was driving an uninsured car and she didn't have insurance either since she didn't have a car. She lost her license for a year I believe, but got a to work permit. I didn't know until then that there were policies to cover you even without a car. Remember in Ohio your insurance follows your car. If you let someone borrow your car they borrow your insurance as well. Learned that one the hard way (SIL again) I don't think we were charged a deductible when my SIL bumped someone while driving our car. Wonder if they charged the deductible to her. Hmmmm