Understanding Non Owners Liability Insurance in North Carolina

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Non Owners Liability insurance is a type of car insurance that provides liability coverage for you when you’re driving a car that doesn’t belong to you. This type of insurance is popular among people who don’t own a car but still drive regularly. The state of North Carolina requires drivers to have liability insurance, and non owners liability insurance is one option for meeting this requirement.

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What is Non Owners Liability Insurance?

Non Owners Liability insurance is a type of auto insurance that provides liability coverage for drivers who don’t own a car. This type of insurance is typically less expensive than traditional car insurance since it doesn’t cover the cost of the vehicle itself. Instead, non owners liability insurance covers the driver in case of an accident where they are at fault.

Non owners liability insurance is also known as non owners car insurance or non owners insurance. It is not the same as rental car insurance, which only covers the car you are renting, not liability expenses.

Why Do You Need Non Owners Liability Insurance in NC?

In North Carolina, all drivers are required to have liability insurance. Non owners liability insurance can help you meet this requirement even if you don’t own a car. It can also protect you financially in case of an accident where you are at fault.

Without liability insurance, you could be held responsible for any damages or injuries you cause in an accident. This could result in costly legal fees or even bankruptcy. Non owners liability insurance provides a safety net to protect you from these expenses.

What Does Non Owners Liability Insurance Cover in NC?

Non Owners Liability insurance in North Carolina typically covers the same types of expenses as traditional liability insurance. This includes:

Expense
Coverage Level
Property Damage Liability
Up to $25,000 per accident
Bodily Injury Liability
Up to $30,000 per person and $60,000 per accident
Uninsured/Underinsured Motorist Coverage
Varies by policy

Property Damage Liability insurance covers damages you cause to someone else’s property, such as another car or a fence. Bodily Injury Liability insurance covers medical expenses and lost wages for someone else if you are at fault for the accident.

Uninsured/Underinsured Motorist Coverage provides additional protection if you are in an accident with someone without sufficient insurance coverage.

How Much Does Non Owners Liability Insurance Cost in NC?

The cost of non owners liability insurance in North Carolina varies depending on several factors, including:

  • Driving history
  • Age
  • Location
  • Credit score
  • Amount of coverage

On average, non owners liability insurance in North Carolina costs between $200 and $400 per year.

FAQ

Can I Get Non Owners Liability Insurance if I’ve Had Accidents or Tickets?

Yes, you can still get non owners liability insurance in NC if you’ve had accidents or tickets. However, your rates may be higher than someone with a clean driving record.

Can I Add Non Owners Liability Insurance to a Rental Car?

No, non owners liability insurance only covers liability expenses for accidents that occur while you are driving someone else’s car. Rental car insurance is a separate type of insurance that covers the car itself as well as liability expenses.

Can Non Owners Liability Insurance be Used for Business Purposes?

No, non owners liability insurance is typically only meant for personal use. If you plan to use a car for business purposes, you may need to purchase commercial auto insurance instead.

How Do I Get Non Owners Liability Insurance in NC?

You can get non owners liability insurance in North Carolina by contacting an insurance agent or company. They will help you choose a policy that meets your needs and budget.

Is Non Owners Liability Insurance Required in Every State?

No, not every state requires non owners liability insurance. However, many states do require drivers to have liability insurance, and non owners liability insurance can be a good alternative for those who don’t own a car.

Conclusion

Non Owners Liability insurance is a type of auto insurance that provides liability coverage for drivers who don’t own a car. In North Carolina, it is one option for meeting the state’s requirement for liability insurance. Non owners liability insurance can protect you financially in case of an accident where you are at fault. It is important to shop around and compare rates to find a policy that meets your needs and budget.

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