What is non-owner car insurance and what does it cover?
You most likely know the basics of getting auto insurance for your vehicle, but what about for a car you’re driving but don’t own? If you don’t own a car but drive borrowed or rented vehicles frequently, you may need non-owner car insurance.
What does non-owner car insurance cover?
Non-owner car insurance is, quite simply, for people who drive vehicles they don’t own. This coverage provides you with bodily injury and property damage liability coverage when you’re driving a vehicle that isn’t yours. It can also come with uninsured/underinsured motorist coverage. Keep in mind that this coverage won’t cover that vehicle or physical damage on it. That means you won’t have collision insurance or comprehensive insurance because a specific car would have to be named in the policy.
Who needs it?
If you don’t own a vehicle, you may not be legally required to have a non-owner car insurance policy. However, there are some good reasons to apply for coverage.
- You rent cars regularly
- You borrow cars frequently
- You use a car-sharing service
- You’re without a car temporarily
- You’re required by court
Now you know the basics of non-owner auto coverage! For the quality car insurance that will protect you and your vehicle, contact the team at Gee-Schussler Insurance Agency. We serve Orland Park and surrounding cities in Illinois.
