Non Owner Car Insurance Geico

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Car insurance is mandatory for all drivers in the United States, but what if you don’t own a car? You might think that you don’t need car insurance, but that’s not always the case. If you frequently borrow or rent cars, or you are required to have car insurance to maintain your driver’s license, then non-owner car insurance could be the right choice for you. In this article, we’ll delve into everything you need to know about non-owner car insurance from Geico.

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What is Non-Owner Car Insurance?

Non-owner car insurance is a type of insurance policy that provides liability coverage to drivers who don’t own a car. This type of policy is typically used by drivers who frequently borrow or rent cars or drivers who are required to have car insurance to maintain their driver’s license. Non-owner car insurance provides coverage for bodily injury and property damage liability, but it doesn’t cover your own injuries or property damage.

Non-owner car insurance is different from traditional car insurance in that it only provides liability coverage. This means that if you cause an accident while driving a borrowed or rented car, your non-owner car insurance policy will cover the damages and injuries that you cause to other people, but it won’t cover any damage or injuries that you personally incur.

What Does Non-Owner Car Insurance Cover?

Non-owner car insurance typically provides coverage for:

Coverage
Description
Bodily Injury Liability
Covers medical expenses and lost wages if you cause an accident that injures someone else.
Property Damage Liability
Covers damage to another person’s property if you cause an accident.

Non-owner car insurance does not provide coverage for:

  • Comprehensive coverage
  • Collision coverage
  • Personal injury protection (PIP) or medical payments (MedPay) coverage
  • Uninsured/underinsured motorist coverage

Why Do You Need Non-Owner Car Insurance from Geico?

There are several reasons why you may need non-owner car insurance from Geico:

You Frequently Rent or Borrow Cars

If you frequently rent or borrow cars, non-owner car insurance from Geico can provide you with liability coverage. This coverage can protect you if you cause an accident while driving a rental car or a friend’s car.

You Want to Maintain Your Driver’s License

If you are required to have car insurance to maintain your driver’s license, non-owner car insurance from Geico can help you meet this requirement. This type of policy provides the minimum liability coverage required by most states.

You Don’t Own a Car, but You Drive Occasionally

If you don’t own a car, but you occasionally drive other people’s cars, non-owner car insurance from Geico can provide you with liability coverage. This coverage can protect you if you cause an accident while driving someone else’s car.

How to Buy Non-Owner Car Insurance from Geico

If you’re interested in buying non-owner car insurance from Geico, the process is straightforward:

Get a Quote

The first step is to get a quote from Geico. You can do this online or by calling Geico’s customer service line.

Choose Your Coverage Limits

Once you have a quote, you’ll need to choose your coverage limits. Geico offers several different coverage options, so you can customize your policy to meet your needs.

Buy Your Policy

After you’ve chosen your coverage limits, you can purchase your non-owner car insurance policy from Geico. You can do this online or over the phone.

Frequently Asked Questions about Non-Owner Car Insurance from Geico

What is the Cost of Non-Owner Car Insurance from Geico?

The cost of non-owner car insurance from Geico depends on several factors, including your driving history, location, age, and coverage limits. However, non-owner car insurance policies are typically less expensive than traditional car insurance policies because they only provide liability coverage.

Do I Need Non-Owner Car Insurance if I Rent Cars Frequently?

If you frequently rent cars, it’s a good idea to consider non-owner car insurance. Most rental car companies require that you have some form of liability coverage, and non-owner car insurance can provide this coverage.

What Happens if I Cause an Accident While Driving a Rental Car?

If you cause an accident while driving a rental car, your non-owner car insurance policy from Geico will provide liability coverage. This means that your policy will cover the damages and injuries that you cause to other people, but it won’t cover any damage or injuries that you personally incur.

Does Non-Owner Car Insurance from Geico Cover My Personal Belongings if They’re Stolen from a Rental Car?

No, non-owner car insurance from Geico does not provide coverage for personal belongings that are stolen from a rental car. However, your renters or homeowners insurance may provide some coverage for your personal belongings.

Can I Add Additional Drivers to My Non-Owner Car Insurance Policy from Geico?

No, non-owner car insurance policies only provide coverage for the named insured driver. Other drivers who borrow the car that you are driving will need to have their own car insurance policies.

Can I Cancel My Non-Owner Car Insurance Policy from Geico?

Yes, you can cancel your non-owner car insurance policy from Geico at any time. However, you may be subject to a cancellation fee.

Conclusion

Non-owner car insurance from Geico is a valuable type of insurance policy for drivers who don’t own a car. This affordable policy provides liability coverage for drivers who frequently borrow or rent cars or drivers who are required to have car insurance to maintain their driver’s license. If you’re interested in purchasing non-owner car insurance from Geico, be sure to get a quote and choose the coverage limits that are right for you.

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