Non-owners liability insurance is a type of insurance that provides coverage when you are driving a vehicle that you do not own. This type of insurance is important for individuals who frequently rent cars or borrow cars from friends and family. In this article, we will cover what non-owners liability insurance is, what it covers, and who needs it.
What is Non-Owners Liability Insurance?
Non-owners liability insurance is a type of car insurance policy that provides liability coverage for individuals who do not own a car but frequently drive or borrow one. This type of insurance protects you in the event of an accident where you are at fault and the other driver or passengers are injured or their property is damaged. It is important to note that non-owners liability insurance does not cover damages to the vehicle you are driving, only damages to other people and property.
Non-owners liability insurance can be purchased as a stand-alone policy or as an endorsement to an existing car insurance policy. If you frequently rent cars or borrow cars from friends or family, it is important to consider purchasing non-owners liability insurance to protect yourself in the event of an accident.
What Does Non-Owners Liability Insurance Cover?
Non-owners liability insurance typically provides coverage for:
Bodily injury liability |
Covers medical expenses, lost wages, and other damages associated with injuries sustained by the other driver or passengers in an accident where you are at fault. |
Property damage liability |
Covers damages to property, such as the other driver’s car or fence, in an accident where you are at fault. |
It is important to note that non-owners liability insurance does not provide coverage for:
- Medical expenses for you or your passengers
- Damages to the car you are driving
- Damages or injuries caused by another driver
Do I Need Non-Owners Liability Insurance?
If you frequently rent cars or borrow cars from friends or family, non-owners liability insurance may be a good option for you. This type of insurance provides protection in the event of an accident where you are at fault and the other party is injured or their property is damaged.
Non-owners liability insurance is also required in some states if you have had your driver’s license suspended or revoked or if you have been convicted of certain offenses, such as driving under the influence.
How Much Does Non-Owners Liability Insurance Cost?
The cost of non-owners liability insurance varies depending on several factors, including:
- Your driving record
- Your age and gender
- The amount of coverage you need
- The insurance company you choose
Typically, non-owners liability insurance costs less than a standard car insurance policy since it only provides liability coverage and does not cover damages to the vehicle you are driving.
FAQ
What is the difference between non-owners liability insurance and rental car insurance?
Non-owners liability insurance provides liability coverage when you are driving a vehicle that you do not own, while rental car insurance provides coverage for damages to the rental car in the event of an accident or theft. Non-owners liability insurance does not provide coverage for damages to the vehicle you are driving.
Can I be sued if I have non-owners liability insurance?
Yes, you can still be sued if you have non-owners liability insurance. Non-owners liability insurance provides coverage for damages and injuries caused by you in an accident, but it may not cover all of the damages. If the damages exceed your insurance policy limits, you may be responsible for paying the difference.
Does non-owners liability insurance cover me if I am driving a company car?
No, non-owners liability insurance does not cover you if you are driving a company car. In this case, the company should provide insurance coverage for their employees.
Is non-owners liability insurance required by law?
No, non-owners liability insurance is not required by law in all states. However, some states may require it under certain circumstances, such as if your driver’s license has been suspended or revoked.
Can I add non-owners liability insurance to my existing car insurance policy?
Yes, you can add non-owners liability insurance as an endorsement to your existing car insurance policy. This may be a more cost-effective option than purchasing a stand-alone policy.
How do I purchase non-owners liability insurance?
You can purchase non-owners liability insurance from most major insurance companies. It is important to shop around and compare quotes from multiple companies to ensure you are getting the best coverage at the best price.
Conclusion
Non-owners liability insurance is an important type of insurance for individuals who frequently rent cars or borrow cars from friends and family. This type of insurance provides liability coverage in the event of an accident where you are at fault and the other party is injured or their property is damaged. If you are in need of non-owners liability insurance, be sure to shop around and compare quotes from multiple insurance companies to ensure you are getting the best coverage at the best price.
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