You can’t insure someone else’s car, but you can get non-owner coverage to cover yourself. This sort of coverage includes liability insurance, which covers harm you may cause to others while driving someone else’s car, but it does not cover damage to your own car if you’re at fault in an accident. Here is a list of some of the most well-known companies that offer non-owner insurance to their customers:
- Acceptance Insurance
- Dairyland Insurance
- Direct Auto Insurance
- Geico
- Liberty Mutual
- Nationwide
- Travelers
You’ll need to phone an insurance company or an agent to acquire a quote. Non-owner automobile insurance quotations are rarely available online, and some insurers, such as Progressive, only offer this coverage to existing customers.
A non-owner automobile insurance policy is typically less expensive than the same level of liability coverage for a car you own. However, if you require the insurer to file an SR-22 or FR-44, the cost of any coverage will almost certainly be expensive until you no longer require it.
The cost is determined by your age, driving record, and how frequently you want to drive, among other factors. When you drive a vehicle that you do not own, non-owner insurance, also known as non-drivers insurance, provides liability coverage for physical injury and property damage.
So, if you’re in a car accident with another motorist and are judged to be at fault, your non-owners insurance coverage will protect you from litigation, just like a standard liability policy. Aside from liability coverage, which pays for injuries and property damage to the other party in the event of an accident, a non-owner auto insurance policy can also include:
- Personal Injury Protection (PIP) or Medical Payments
- Motorist Liability Insurance for Uninsured or Underinsured Drivers
- Liability Insurance for Rental Cars
A non-owner auto insurance policy will not contain comprehensive or collision coverage because no individual vehicle is connected to it. As a result, if you’re in a collision, it won’t cover damage to your automobile, hospital fees, or other expenditures related to your injuries.
Want to learn more about auto insurance? Read this blog on the top 10 auto insurance companies.
