Why You May Need Non-Owner Car Insurance

Non-owner car insurance is a special policy designed for people who don’t have a car, but still drive one. It provides liability coverage when you rent or borrow someone’s vehicle. Liability insurance pays if you cause injuries to others or property damage in a car accident. Find out more about this policy and get car insurance quotes online.

nonownThese are the most common scenarios when non-owner coverage is needed:

  • Were convicted of a DUI or other serious violation. Your state might require you to file an SR-22 form (known as FR-44 in some states) in order to get your driver’s license reinstated. These forms prove that you have car insurance. A non-owner car insurance policy will suffice if you no longer own the car.
  • Frequently renting cars. Non-owner insurance can serve as rental car insurance and might be much cheaper than paying for liability coverage at the rental company. Remember that liability insurance pays if you cause property damage or injure others in a car accident. Non-owner insurance usually does not cover damage to the car you are driving. Check whether you have insurance for damage to the rental through a credit card or acquire collision-damage waiver from the rental car company.
  • Use a car-sharing service such as Zipcar or Uber. A non-owner policy supplements the liability coverage the car-sharing service provides. It will help in case an accident victim sues you.
  • Borrow other people’s cars: If there’s an accident, the car owner’s insurance pays out. But if the costs exceed the owner’s liability limits, you could be on the one paying the remaining sum of money. Non-owner car insurance in this case would supplement the owner’s coverage.
  • Keeping continuous auto insurance coverage: This can help save money on car insurance later. Going without coverage between cars will make you look a high risk driver, which can lead to higher rates when you buy a vehicle.

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