Are you borrowing a car? Are you renting a car?
Non–owner car insurance provides liability coverage when you’re renting a vehicle or borrowing someone else’s car. This liability coverage pays for injuries and property damage that you cause to other drivers and their passengers. The non owner car insurance does not pay for your injuries or damage to the car you are driving.
Why would you need a non owner car insurance?
There may be multiple reasons where a non owner car insurance might be the right solution.
If you are applying for a driver’s license in a state that requires proof of financial responsibility and you do not own a car.
If you’re trying to reinstate your driver’s license and are required to file an SR22 or an FR44 with the state and you don’t own a car.
If you often rent cars or regularly drive cars that do not belong to you and are not listed as a driver on the vehicle owner’s policy, a non-owner policy would serve as your primary liability coverage.
If you want to avoid having a gap in your insurance history while you’re in-between cars, a non-owner policy could help you maintain a history of continuous coverage and avoid being labeled a “high-risk” driver.
Contact us to learn if a non owners car insurance is a right choice for you.