wont bring to nyc i have standard insurance so would assume collision is incl. dont know about liability if it works for someone (borrowing ) would need to speak to person and see they are a mature responsible adult
that is true but they are somewhat more likely to happen at 147mph when the driver is trying to snort a line of coke off the passenger seat...
speaking from experience?
This is a bad idea, IMRA(risk averse)O.