You usually take the bus to work, but you’re running late and borrow a friend’s car instead. One quick glance at a text message from your boss, and suddenly you’ve rear-ended an SUV in front of you. This is going to be worse than being late for work.
Beyond not driving while distracted, something else could have led to a happier ending. It’s called non-owner insurance.
Non-owner car insurance protects you in the event you’re found to be at fault in an accident while driving a vehicle not owned by you. It’s a secondary coverage that pays for damages above and beyond what might be covered through the car’s primary insurance.
Yes. Some companies refer to this coverage as non owner car insurance, non owners car insurance, non-owner insurance, or a non-owners auto insurance policy. It can be spelled or said differently, but all of these talk about the same coverage.
Non-owner car insurance is geared toward those who:
A nonowner insurance policy may not be the correct one for you if you:
That last bullet point needs a little explanation. If someone in your household owns a vehicle—spouse, parent, sibling, child, etc.—chances are you’ll be required to be listed on that car owner’s policy.
If you cause an accident while borrowing a vehicle, a non-owner policy would cover damages to other people’s vehicles and property. The largest limitation is you wouldn’t have coverage if you were driving a vehicle you own or use often.
Non-owner car insurance doesn’t cover damages to the vehicle you’re driving. Typically, non-owner car insurance also doesn’t include coverage for your property or injuries you might suffer in an accident. Also, if you’re driving a car you own but you just have a non-owner policy, coverage would not apply here either.
A non-owner policy is a cheap car insurance alternative to a regular car insurance policy. The cost depends on factors such as how much coverage you’d like, and your driving history. Non-owner policies usually don’t carry a deductible and will have coverage limits.
Keep in mind, nonowner policies are purchased on a per-driver basis, so each person obtains his or her own insurance.
State requirements for car insurance vary depending on where you live. Some states offer a non owners policy. Others don’t. States also have different minimum requirements for car insurance. See what the car insurance requirements and options are for your state.
Given some of the unique aspects of the policy, we prefer to discuss it with you over the phone. We would be happy to find the right policy for you. Simply call 888-344-4357.
Yes, we can. If your state requires insurance coverage for drivers who don’t own a car but have incurred major violations such as DUI or DWI, a non-owner policy is an affordable, responsible way to satisfy that requirement. Learn more about what happens when you get a DUI/DWI and what to do if you need to get an SR22 and an FR44 in Florida or Virginia.
Yes. Many insurance companies consider drivers without six months of continuous coverage to be high-risk drivers, which leads to higher rates and/or surcharges. With continuous coverage, you might qualify for additional discounts.
Even though car insurance might not be required in your state, it’s always a good idea to check out what options are available. A non-owner car insurance policy can help you protect yourself against possible financial hardship if you were to cause an accident.
Questions about nonowners car insurance coverage? Give us a call at 888-344-4357. We can provide a fast, accurate quote, providing you with the coverage you need.
This is an insurance coverage option worth looking into if you don't own a car but occasionally drive someone else's vehicle who doesn't live in the same household as you.
To get a non-owner policy, you’ll have to get in touch directly with an insurance agent or insurance company. You typically can’t choose this option during an online quote process.
Similar to most other car insurance coverages, this depends on you. Cost factors include your driving history, your age, where you live, and how much coverage you want. Your car insurance agent or company can break it all down for you.
The biggest benefit is that you’re likely covered if you’re involved in an incident while driving someone else’s car. A non-owner insurance policy is often cheaper than similar coverage on a vehicle you own.