Non Owner Insurance Car: Everything You Need to Know

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If you don’t own your own car, you might think you don’t need car insurance. However, if you regularly drive someone else’s car or rent cars, you might want to consider non owner car insurance. This coverage can protect you from financial loss if you’re involved in an accident while driving a car you don’t own.

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What is Non Owner Insurance Car?

Non owner insurance car is a type of car insurance policy that provides liability coverage when you’re driving a car that you don’t own. This type of policy is typically less expensive than a traditional car insurance policy because it only covers liability and doesn’t include comprehensive or collision coverage.

Non owner insurance car is designed for people who don’t own their own car but still want financial protection when they’re driving. It’s also a good option for people who rent cars frequently, as it’s often cheaper than purchasing rental car insurance from the rental company.

What Does Non Owner Insurance Car Cover?

Non owner insurance car typically provides liability coverage, which pays for damage or injuries you cause to other people or their property while driving a car you don’t own. This coverage usually includes:

Coverage Type
What it Covers
Bodily Injury Liability
Covers medical expenses, lost wages, and other damages if you injure someone in an accident
Property Damage Liability
Covers damage to another person’s property, such as their car or mailbox

Non owner insurance car doesn’t typically include collision or comprehensive coverage, which pays for damage to the car you’re driving. You may be able to purchase additional coverage as an add-on to your non owner insurance car policy, but it will likely increase the cost of your premium.

Who Needs Non Owner Insurance Car?

Non owner insurance car is a good option for people who:

  • Don’t own their own car but still drive regularly
  • Rent cars frequently
  • Borrow other people’s cars often

If you only drive a car occasionally, such as when you borrow a friend’s car for a weekend trip, you might not need non owner insurance car. However, if you drive another person’s car frequently, it’s a good idea to consider non owner insurance car to protect yourself from financial loss in case of an accident.

How Much Does Non Owner Insurance Car Cost?

The cost of non owner insurance car varies depending on your location, driving record, and other factors. However, it’s typically much cheaper than a traditional car insurance policy because it only covers liability and doesn’t include collision or comprehensive coverage.

According to The Zebra, the average cost of non owner insurance car in the United States is around $474 per year, or about $40 per month. However, your actual cost may be higher or lower depending on your individual circumstances.

FAQ About Non Owner Insurance Car

Is Non Owner Insurance Car Required by Law?

Non owner insurance car is not required by law in most states, but it’s still a good idea to have it if you drive another person’s car frequently. It can protect you from financial loss if you get into an accident and are found liable for damages or injuries.

Can I Get Non Owner Insurance Car If I Have a DUI?

It depends on the insurance company. Some companies may refuse to insure you if you have a history of DUIs or other serious driving offenses. However, other companies may be willing to provide non owner insurance car coverage, but at a higher cost.

Does Non Owner Insurance Car Cover Rental Cars?

Yes, non owner insurance car can cover rental cars. It’s often a cheaper alternative to purchasing rental car insurance from the rental company.

What Happens If I Get Into an Accident While Driving a Car I Don’t Own?

If you get into an accident while driving a car you don’t own, your non owner insurance car policy will typically cover the damages or injuries you cause to other people or their property. However, if the damages or injuries exceed your policy limit, you could be held personally liable for the remaining amount.

How Do I Get Non Owner Insurance Car?

You can get non owner insurance car by contacting an insurance company that offers this type of policy. You’ll need to provide information about your driving history, the cars you drive, and your personal information to get a quote.

Conclusion

Non owner insurance car is an important type of coverage to consider if you frequently drive other people’s cars or rent cars. It can protect you from financial loss if you get into an accident and are found liable for damages or injuries. Contact an insurance company to learn more about non owner insurance car and get a quote for coverage.

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