What Does Non-Owner Car Insurance Cover?

someone driving car

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.