Non-Owner Car Insurance offers liability coverage for individuals who don't own a car but occasionally rent, borrow, or use car-sharing services. Get a free quote to explore your options for Non-Owner Car Insurance.
Therefore, if you often rent a car or borrow a car from your friends or family members, it is essential to get covered under this policy to be legally compliant. Read on to discover what are the features of non-owner car insurance, how it works, and the best way to purchase it.
When you do not own a car but still need car insurance, you can purchase a non-owner car insurance policy. This policy covers a specific person, or named insured, to drive and provides the liability insurance required by your state.
A driver may be required to have a non-owner insurance policy for a couple of reasons.
• You do not own a car but want to maintain continuous car insurance coverage until you get another one.
• Your state's Department of Motor Vehicles requires you to file an SR-22 financial responsibility form even though you do not own a car.
• You sometimes borrow a friend's car.
• You rent cars often but do not have a car of your own.
• You use a car-sharing service such as Turo or Zipcar.
The car insurance for non-car owners is generally a secondary policy to a standard liability auto insurance coverage of the car’s owner. Therefore, before you get this coverage, let’s have a look at what this policy generally covers.
Costs for bodily injury caused by policyholders to others, such as their medical expenses or hospital bills.
Coverage for the cost of damages to a third-party property, including car repair bills or repair bills for damaged objects, like a fence.
Legal defense costs if the policyholder is sued for causing an accident.
In fact, the auto insurance for non-car owners also offers some additional benefits in certain states of America, such as:
Personal Injury Protection (PIP): PIP coverage pays for medical expenses, essential services like childcare, and lost wages for the policyholder and the passengers after an accident, regardless of the fault.
Uninsured Motorist Coverage (UM): With this coverage, the policyholder can pay for the medical expenses if the person who crashes their vehicle does not have liability insurance.
MedPay Coverage: Unlike the PIP coverage, this policy is limited to covering only the cost of medical facilities, no matter who caused the accident.
A-MAX Insurance will make the process of purchasing a non-owner car insurance policy extremely hassle-free. By simply entering your ZIP code and personal information, you get coverage options from the most reliable auto insurance companies in the US. Additionally, we will also assist you with the SR-22 filing.
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Read MoreTo understand how non-owner car insurance works differently from regular car insurance, let’s explore this example.
Mr. Swift causes an accident while driving his friend’s car. This resulted in $50,000 in medical liability. However, his friend’s policy covers only $30,000 in bodily injury liability, leaving a $20,000 gap.
Therefore, if he didn’t have a non-owner policy, he would have to pay this amount out of pocket. However, as he has a non-owner auto insurance policy with a $30,000 limit, it can cover the remaining liability easily.
Note: The amounts provided in this example are for illustrative purposes and should not be considered as final quotes. Thus, to get the actual quotes, check via the online quoting tool of A-MAX Insurance.
A standard non-owner car insurance generally does not offer coverage beyond the liability-only cover. Here are the instances that will be excluded from your policy.
Rented or Borrowed Vehicle Damage: This policy mostly does not include collision or comprehensive coverage to repair the car you are driving. Therefore, in such conditions, the owner's insurance must cover the cost, or you must pay out of pocket.
Private Belongings Damage: In case your personal items are stolen or damaged in a car accident, they would be excluded from the policy.
Personal Injury: If the policyholder does not have an add-on PIP or MedPay coverage in their policy, personal injury to the driver and passenger would not be covered.
Business Use: Unless you have commercial auto insurance, accidents caused during commercial use of the borrowed vehicle, such as a delivery service, are a common exclusion of the car insurance for non-car owners.
You can easily purchase non-owner auto insurance online through A-MAX Insurance by following these simple steps:
Enter Your ZIP Code: Provide your ZIP code on our website to discover the number of non-owner car insurance providers in your location.
Fill in Your Details: You will now get redirected to our online quoting page. On this page, you have to fill in your personal details, such as your date of birth or your driving history, or some basic information about your rented or borrowed car.
Compare Quotes: Based on your information, our system will provide you with auto insurance quotes and coverage options.
Review Terms and Apply Discounts: Before finalizing your policy, read the terms and conditions carefully to ensure adequate coverage.
Make Your Payment: After reviewing the policy, you will have to pay the final premium using a credit/debit card or any digital banking method. Moreover, you will mostly get the digital policy document via email.
To resolve your queries or confusion related to your non-owner car insurance, contact our customer team at 800-921-2629 or drop an email at info@amaxinsurance.com.
Q: Why would I need non-owner car insurance?
A: If you borrow or rent vehicles or use a car-sharing service, it is a good idea to purchase non-owner insurance to give yourself an extra layer of liability protection. If you have sold your car and have not purchased a new one yet, or if you are required to show proof of financial responsibility with an SR-22 filing, you will want to buy non-owner insurance.
Q: Can I reduce the insurance premium rates of my non-owner car insurance?
A: Yes, you can reduce non-owner car insurance premiums by maintaining a clean driving record, improving your credit score, comparing quotes, and selecting only the mandatory liability coverage.
Q: Where can I buy non-owner car insurance?
A: You can buy non-owner insurance through a local insurance agent or find an insurance company that offers this type of policy using an online comparative rater such as A-MAX Insurance.
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