Even if you can insure the car, if you do destroy it in an accident, there may be a lifelong feeling of distrust towards you from the other person. This would

Even if you can insure the car, if you do destroy it in an accident, there may be a lifelong feeling of distrust towards you from the other person. This would depend on your relationship with the person, but nobody ever wins from an insurance payout. It's generally less than what you can replace the car for, it does damage to somebody's insurance rating, it's just not fun all round. Buy your own car and know that you don't owe anyone anything.