What Does Non-Owner Car Insurance Cover

What is a non-owner auto insurance policy and who needs it?

Believe it or not but even if you don’t own a car yourself, you may still need auto insurance. Non-owner car insurance is beneficial for individuals who drive vehicles that they don’t own. Whether you’re renting or borrowing a car, this type of policy can help you pay for injuries and damage if the worst should happen.

What does non-owner car insurance cover?

A non-owner car insurance policy typically provides the minimum coverage, although you can opt for more coverage. Generally, these policies include bodily injury and property damage liability coverage when you’re driving a vehicle that you don’t own.

A non-owner car insurance policy can cover:

  • Bodily injury and property damage
  • Personal Injury Protection
  • Uninsured/underinsured motorist coverage

In most cases, this coverage does not cover collision coverage, which is damage done to the vehicle. The vehicle damage would be covered by the car owner’s policy. Comprehensive coverage isn’t available either, which is damage resulting from any other cause such as theft or hail. Again, the car owner’s policy should be able to cover this damage.

Who needs non-owner car insurance?

You’re not required to purchase this coverage if you don’t own a vehicle. However, there are some situations in which it can be beneficial to apply for coverage.

  • You rent cars regularly
  • You borrow cars regularly
  • You use a car-sharing service
  • You’re without a vehicle temporarily

Have more questions about auto insurance? Let the team at Lou Aggetta Insurance Services help. We offer reliable insurance services that suit your individual needs. Contact us today to get started!