No, non-owner car insurance typically does not cover medical expenses. It provides liability coverage for damage to other people’s property and injuries they sustain in an accident you cause, but it does not include personal medical coverage for the driver or passengers.

Additional coverage options

Some insurers may offer additional coverage options, such as:

Medical payments (MedPay) coverage

This optional coverage can help pay for medical expenses for you and your passengers, regardless of who is at fault. It is essential to check with your insurance provider if this add-on is available for non-owner policies.

Uninsured/underinsured motorist coverage

Another optional coverage that might be available for non-owner car insurance is uninsured/underinsured motorist coverage. This type of coverage protects you in case you are injured in an accident caused by a driver without adequate insurance to cover your medical expenses.

Final thoughts

Medical expenses for injuries sustained by you or your passengers are generally not included in non-owner car insurance policies. To cover medical expenses, you would typically need personal health insurance or a separate medical payments coverage policy. It’s important to review the specific terms and coverage of your insurance policy or consult with an insurance agent to understand what is included in your non-owner car insurance.

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