Understanding Non-Owners Car Insurance

Non-owners car insurance is a policy you purchase when you do not own a vehicle. It provides car insurance for an individual who wants coverage when driving other’s vehicles. In most cases, the only coverage available on a non-owners’ policy is bodily injury liability, property damage liability, medical payments, and uninsured motorist. Non-owner policies will not include comprehensive nor collision coverage. The coverage is designed to pay for damage to the owned vehicle for perils such as theft, collision, fire and so forth. Since the policy doesn’t cover owned vehicles, these coverage cannot be purchased.

Coverage does not extend to household members and only applies to the person listed on the declarations page. In the event of an accident, the non-owner policy is designed to pay after the car policy coverage is exhausted. Therefore, it is designed to be a secondary policy. For these reasons, a non-owner policy is not designed for teenagers that want to be covered when driving their parents’ car. If an accident occurs and it is the teenager’s fault, the parent’s primary policy will not provide coverage, as the teenager is not covered. The non-owner policy only provides coverage for the teen. Therefore, the parent’s interests are not protected in this scenario.

Non owner policies were designed for a person that does not own any vehicle and does not have regular access to a particular vehicle, including work related vehicles. Additionally, you cannot add any drivers to this type of policy. Only the named insured (the person who was issued the policy) will have coverage.

Usually, coverage is not provided for any of the following:

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