Non-owner auto insurance is a type of liability coverage that protects people who don’t own a car themselves but still drive occasionally. This type of insurance policy can cover the cost of property damage and bodily injury that you cause while driving someone else’s car. In this article, we’ll go over everything you need to know about non-owner auto insurance.
What Is Non-Owner Auto Insurance?
Non-owner auto insurance is a type of liability coverage that provides protection for drivers who don’t own a vehicle. This type of policy is designed to provide coverage if you cause an accident while driving a car that you don’t own. It typically covers bodily injury and property damage liability, but doesn’t cover collision or comprehensive coverage.
If you frequently rent cars or borrow a car from a friend, you should consider purchasing non-owner auto insurance. This will help you protect yourself financially in case of an accident while driving a car that isn’t yours.
How Does Non-Owner Auto Insurance Work?
When you purchase non-owner auto insurance, the policy will typically provide coverage for liability only. This means that if you cause an accident while driving someone else’s car, your policy will cover the cost of damages to the other party’s vehicle and any injuries sustained by the other party.
It’s important to note that non-owner auto insurance does not cover damages to the car you are driving, or any injuries that you may sustain in an accident. If you want additional coverage, you may need to purchase an additional policy or rely on the car owner’s insurance policy.
Who Needs Non-Owner Auto Insurance?
Non-owner auto insurance is a good choice for people who don’t own a car but still need to drive occasionally. This could include:
- People who frequently rent cars for business or personal use
- People who borrow cars from friends or family members
- People who use car-sharing services like Zipcar or Car2Go
If you drive a car that you don’t own, you are still legally responsible for any damages or injuries that you may cause while driving. Non-owner auto insurance can help protect you financially in case of an accident.
How Much Does Non-Owner Auto Insurance Cost?
The cost of non-owner auto insurance varies depending on a variety of factors, including:
- The amount of coverage you need
- Your driving record
- Your age and gender
- Your location
On average, non-owner auto insurance can cost between $200 to $500 per year. However, the cost can vary depending on your individual circumstances and the insurance company you choose.
FAQs
Is Non-Owner Auto Insurance Required?
Non-owner auto insurance is not required by law in most states. However, some states may require you to carry liability insurance if you have had your driver’s license suspended or revoked.
What Does Non-Owner Auto Insurance Cover?
Non-owner auto insurance typically covers bodily injury and property damage liability if you cause an accident while driving a car that you don’t own. It does not cover damages to the car you are driving, or any injuries that you may sustain in an accident.
Can I Get Non-Owner Auto Insurance if I Have a Poor Driving Record?
It may be more difficult to get non-owner auto insurance if you have a poor driving record. However, some insurance companies may still offer coverage, but at a higher cost.
What Is the Difference Between Non-Owner Auto Insurance and Regular Auto Insurance?
Non-owner auto insurance only provides liability coverage for drivers who don’t own a car. Regular auto insurance typically provides coverage for both liability and physical damage to the insured vehicle.
Conclusion
If you frequently drive a car that you don’t own or rent cars for personal or business use, you should consider purchasing non-owner auto insurance. This type of policy can provide coverage for bodily injury and property damage liability in case of an accident, helping to protect you financially.
Remember to shop around and compare quotes from different insurance companies to find the best coverage at an affordable price.
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