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What is a Non-Owner Auto Insurance Policy?

    When it comes to insurance for vehicles, most people have a good idea of the different policies available. However, there are some products that even knowledgeable individuals have never heard of, such as non-owner car insurance. At first glance, this “no car insurance” doesn’t make a lot of sense. However, as you learn the facts about this coverage, you’ll recognize its true value.

    Non-Owners Insurance

    This policy gives you protection when driving a vehicle but not owning it. For instance, if your current car is in the shop, but you need a way to get back and forth to work each day, you might borrow a vehicle from a friend or family member. Instead of going on the owner’s policy, you could take out an inexpensive non-owner car insurance policy.

    Keep in mind that non-owners insurance only offers liability protection as opposed to full coverage. That means if you’re in an accident and the at-fault driver, the only things covered are damage to the other individual’s automobile and expenses for bodily injury. You’ll still have to pay the deductible for non-owner liability insurance, and the amount paid out would have a limit according to the policy.

    When to Take Out a Policy

    You can purchase non-owner car insurance at any time. Since there’s no specific vehicle assigned to the policy, it would cover you whenever you drive a car that you don’t own

    When borrowing an automobile, there’s a huge risk of having no car insurance. Because the friend or family member is the legal owner of the vehicle, and without this coverage, they would ultimately have the responsibility to pay for damage to the other driver’s vehicle. They would also be responsible for any medical expenses the other driver incurred.

    For them to recoup what they spent, they would have to take you to court. As you can imagine, not taking out a policy for auto insurance without a car could destroy valued personal relationships. Considering the low cost of getting car insurance without a car, there’s no reason to put yourself in that situation. That, combined with the fact that this insurance prevents the other driver from suing you, makes it a worthwhile investment.

    Auto insurance without a car works great for scenarios beyond borrowing a vehicle from a friend or family member. It’s an excellent option when renting automobiles, especially if you do so frequently. Also, many business executives take out this type of policy when driving a corporate vehicle.

    You can even take out non-owner car insurance if you don’t plan on driving for an extended length of time. Whether deployed overseas or going a long vacation, this policy would prevent an accidental lapse of coverage from your regular policy. This is important because when a lapse occurs, it’s common for premiums to increase substantially.

    There’s even a non-owner SR22 policy available. If you received a DUI or had some serious traffic infraction, the state may require you to have this coverage before it reinstates your license. Depending on the circumstances, some people must maintain this type of protection for up to five years. Instead of having no car insurance, a non-owner SR22 policy would allow you to drive your vehicle, as well as one belonging to someone else.

    Additional Policy Inclusions

    Depending on the specific type of non-owner liability insurance that you get, it could cover even more. As an example, it might include personal injury protection coverage, rental car liability coverage, and even underinsured or uninsured motorist liability insurance. By working with a reputable provider, you can get the best protection when driving a vehicle that you don’t own.

    The Bottom Line

    Whether you own a vehicle, don’t own one but borrow someone else’s, use a company automobile, drive rentals, or plan to be away from home for some time, you’ll never go wrong with a non-owner car insurance policy. For the best coverage at the lowest price, speak with an agent who fully understands this particular coverage.

    If you need a non-owner car insurance policy, USAgencies can help. Give us a call at (800) 420-3712 or request a free non-owner car insurance quote online.