Most car owners and drivers have their car insurance. But little did everyone know that there is such a thing as non-owner car insurance. This type of auto insurance has already been in the business for quite some time now.
By its mere name, a non-owner car insurance seeks to cover those who are not related to personal unforeseen accidents that may come along the way. It includes liability coverage for accidents and damages you inhibited towards other people in a car collision.
Yet despite this, nom-owner car insurance won’t cover those who will relate to vehicles you just borrowed and rented or for your own injuries if you cause accidents toward other drivers.
Just a little caveat, if you seek to borrow your relative’s car, this insurance is not the best option for you. Before you enjoy the benefits of this insurance, your name needs to be on the list of car owners.
Furthermore, this rule also applies to your unrelated companions such as a friend and roommate. It has to be registered on the policy first before you enjoy the fruit of its benefits.
If you are interested in getting this type of car insurance, you need to consult an agent so that they could give you the right quote. Companies like Progressive offer this kind of deal and will depend on the premium which will best suit your needs.
Depending on your place, a non-owner policy may cover several scenarios. Here are some of which:
- Property damage you caused to any person except the passenger you have during the time of the accident
- Those drivers who have yet to enroll in insurance, and you accidentally put the life at risk because of unforeseen accidents
- Medical payments you deem necessary for yourself during the time of the collision. It does not have to be who is at fault as long as you are hurt, that is already covered