Yes, you can get non-owner car insurance even if you don’t own a car. Non-owner car insurance provides coverage for drivers who frequently borrow or rent vehicles but do not own one themselves.
It offers liability coverage, which pays for damages to others if you’re at fault in an accident. This insurance does not cover damages to the vehicle you drive or any medical expenses you may incur. Non-owner car insurance can be beneficial if you regularly drive cars you don’t own, such as rental cars or borrowed vehicles. It provides the necessary liability coverage and peace of mind while driving.
When to consider non-owner car insurance
You might want to consider non-owner car insurance if you:
- Regularly rent cars for personal use
- Often borrow vehicles from friends or family
- Need to maintain car insurance due to legal requirements (e.g., DUI conviction)
Coverage offered by non-owner car insurance
Non-owner car insurance typically provides liability coverage, which includes:
- Bodily injury liability: Covers medical expenses and lost wages for the other party if you’re at fault in an accident
- Property damage liability: Covers damage to another person’s property if you’re at fault in an accident
It’s important to note that non-owner car insurance usually doesn’t cover collision, comprehensive, or personal injury protection. Be sure to understand the policy’s limitations before purchasing.
Final thoughts
non-owner car insurance can be a suitable option for those who frequently drive cars they don’t own. Assess your needs and compare various policies to find the best coverage for your situation.
