Yes, in some cases, you can add additional coverage to your non-owner car insurance policy. However, the options may be limited compared to a standard auto insurance policy.
Additional coverage options
While non-owner car insurance primarily provides liability coverage, some insurance companies may offer additional coverage options that you can add to your policy. These options include:
Medical payments coverage
Medical payments coverage, also known as MedPay, can help pay for medical expenses resulting from an accident, regardless of who is at fault. Adding this coverage to your non-owner car insurance policy can provide extra protection for medical bills.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage to pay for your damages. Adding this coverage to your non-owner car insurance policy can help you in such situations.
Personal injury protection (PIP)
Personal injury protection, or PIP, is a type of coverage that pays for medical expenses, lost wages, and other related costs resulting from an accident, regardless of fault. Depending on the insurance provider, you may have the option to add PIP coverage to your non-owner car insurance policy.
Limitations and considerations
Keep in mind that not all insurance providers offer these additional coverages for non-owner policies. Furthermore, collision and comprehensive coverage are generally not available for non-owner car insurance.
To determine the specific coverage options and any associated costs, it’s best to contact your insurance provider directly and inquire about the possibility of adding extra coverage to your non-owner car insurance policy. They will be able to provide you with detailed information and help you customize your policy to meet your specific needs.
In a nutshell
Before purchasing a non-owner car insurance policy, discuss your needs with your insurance provider, and explore the available options. Make sure to compare different policies and providers to find the best deal for your situation.