Non Owners Car Insurance

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Understanding Non-Owner Car Insurance

Do you ever have to borrow a vehicle from a friend or family member in order to get around? If so, do you know if you are actually insured to drive anyone else’s vehicle? Some people do carry insurance that allows others to drive their vehicles, but you should never rely on this. Instead, it is a lot easier, and safer, to have your own non-owner auto insurance. This way, no matter whose vehicle you are driving, you know that you are covered if you happen to get into an accident.

What Is Non-Owner Car Insurance? Understanding Non-Owner Car Insurance

Basically, non-owner car insurance is exactly what it sounds like: insurance for those who drive frequently but do not actually own a vehicle of their own. It protects you if you are driving another person’s vehicle, which could even be a company vehicle, if you are at fault in an accident. It ensures that you will not have a lot of out-of-pocket expenses resulting from an at-fault accident.

What Does It Cover?

Having non-owner auto insurance is not going to cover everything, but it will provide adequate coverage and peace of mind while you are driving. It is your responsibility to make sure that you are covered if you are a driver, no matter whose vehicle you are driving, and coverage for non-owners is a good way to go if you want to drive and don’t actually own a car. You can expect non-owner insurance to cover the following:

  • Liability
  • Medical/Injury Protection
  • Uninsured/Underinsured Coverage

If you have a non-owner’s insurance policy, there are certain things that are not going to be covered. These include:

  • Comprehensive Coverage
  • Collision Coverage
  • Rental Coverage

If the vehicle you are driving is insured, the insurance that covers that vehicle is going to be first to pay out any liability damages. Your non-owner insurance will pay for secondary coverage. Even if you are driving an insured vehicle, it is a good idea to also have your own non owner auto insurance, just to be on the safe side and make sure that you have plenty of coverage should anything happen. After all, you don’t always know how much insurance a vehicle has, or even if the owner has let the policy lapse.

What Is SR-22?

If you have had tickets for driving while under the influence of alcohol or drugs, or you have had previous auto accidents while not carrying enough or any insurance, you are required to have an SR-22 insurance filing with the state. This shows your financial responsibility if you do have an accident, and it is often necessary for those who are trying to get their drivers licenses reinstated. Having non-owner insurance coverage can help those who need to have an SR-22, but do not actually have a vehicle of their own. You can purchase your non-owner insurance and attach the SR-22 filing to it.

How Much Does Non-Owner Insurance Cost?

We all think of auto insurance as being quite expensive, but when compared to traditional auto insurance, non-owner insurance is affordable. The cost to have this type of coverage is usually similar to what it costs to have the minimum liability coverage that is required by the state. Remember, you may not be able to get multi-policy if this is the type of auto insurance you choose to carry.

Getting Quotes

Just like with any other type of insurance policy, it is best to shop around for the best rates for non-owner auto insurance. Different insurance providers have different rates for different products, and if you don’t get quotes from at least a few companies, you may not be getting the best prices available. You can call insurance companies to speak with representatives to get quotes, or you can go online and get them without ever having to speak with anyone. You will not have to provide any personal information, and you will not be contacted by sales representatives until you are actually ready to make your purchase.

Whether you own your own vehicle, rent vehicles, use a company vehicle or borrow from friends and family members, you need to know that you are properly insured. Enter your zip code today and see what the different insurance companies have to offer and make sure that you have the non-owner insurance coverage that will save you a lot of money in the event of an accident where you are at fault.

How to Buy Non-Owner Car Insurance

How many times have you found yourself needing to borrow a vehicle to get to work or run errands? Not everyone has a vehicle of their own, but many people often borrow vehicles, rent, or even use company vehicles for their day-to-day errands, business, etc. If you use vehicles owned by others frequently, you should make sure that you are properly insured. While the vehicle you are driving may carry insurance, it is still best to have additional coverage, which you can get when you buy a non-owner auto insurance policy. This will protect you if you have an accident and you are at fault, and cover a lot of the expenses that can arise from that accident

Non-Owner Insurance Explained

Non-owner car insurance is good to have if you are a frequent driver, but do not own your own vehicle. It will cover a lot of the expenses from an accident, including liability, medical expenses, and the costs that can arise if you have an accident with an uninsured/underinsured driver. While it is good to have this additional coverage, remember, there are some things that it will not pay for, including:  How to Buy Non-Owner Car Insurance

  • Comprehensive Coverage
  • Collision Coverage
  • Rental Car Coverage

Non-Owner Insurance Can Help You in Other Ways

Sometimes, we do things that we shouldn’t, and we end up having to pay the price. This can include driving while under the influence or having accidents without insurance. When these things happen, there are fines, and drivers can lose their rights to drive for a period of time. Having non-owner insurance can help you if you are in this type of situation. For instance, if you need an SR-22, but do not own a vehicle, this can come in pretty handy. You can purchase your non-owner auto insurance, and attach an SR-22 filing to it.

Buying Non Owner Car Insurance

You can buy non-owner car insurance from any company that sells auto insurance. The cost is relatively low, comparable to that of the cost of basic liability insurance that is required by every state.

To get the best deals, you should get a number of non-owner insurance quotes. You can do this by entering your zip code in the box provided. If you just go with the first insurance company you talk to, you may not get the best rates for this, or any other type of auto insurance.

  • Ask about the “Assigned Risk Program/Plan” that is offered by your state If the company does not offer a policy that is in accordance with this program, you can file a complaint with the state board of insurance. This is coverage that you are entitled to, and all you have to do is ask for it.

Once you have received a few quotes, you need to sit down and study them all. There are a lot of things to consider, including pricing and payment schedules, and the more you know, the better able you will be to decide which company is going to be able to serve you best.