What you should know about the basics of non-owner car insurance.
Did you know that even if you don’t own a car, you may still need auto insurance? That’s right, non-owner car insurance is for these exact situations where individuals drive vehicles that they don’t own. Whether you’re renting or borrowing a car, a non-owners insurance policy would pay for injuries and damage in the case of an accident.
What does non-owner car insurance cover?
A non-owner car insurance policy only provides minimum coverage. Typically, these policies include bodily injury and property damage liability when you’re driving a vehicle that you don’t own. If you get into an accident in someone else’s vehicle, the car owner’s insurance will pay out first. If it isn’t enough to cover damages, your non-owner policy will kick in as secondary coverage. It’s worth noting that non-owner car insurance does not cover collision or comprehensive insurance, so the repairs to the vehicle you were driving will not be included.
Who needs non-owner car insurance?
If you rent or borrow cars frequently, it might make sense to purchase this type of coverage. It can offer you valuable protection that you would otherwise be without. It can also prevent you from facing high auto insurance coverage expenses at rental dealerships.
If someone else in your household owns a car that you plan to drive, you should be listed on their policy rather than take out this coverage.
Now you know the basics of non-owner car insurance! For all your auto insurance needs, contact the professionals at Massive Insurance today! We are ready to get you reliable coverage.