Non-owner automobile insurance protects non-car owners. It protects car-sharing drivers. This article discusses non-owner car insurance, what it covers, and whether you need it.

What is non owner car insurance?

Non owner car insurance covers damages and injuries you cause to others while driving a vehicle you don't own. It differs from car insurance, which covers vehicle damage. Non-owner car insurance only covers damage to other vehicles, property, and people in an accident.

Non owner car insurance policy

A standard non-owner car insurance policy covers bodily injury and property damage liability. If you injure someone, bodily injury liability coverage covers medical bills, lost earnings, and other damages. Property damage responsibility covers damage you create while driving a borrowed or rented car.

Non-owner car insurance limits are lower because they cover only the legal minimum. Bodily injury liability may be $15,000–$50,000 and property damage liability $5,000–$25,000 in your state. Higher coverage limits can provide greater protection.

Do you need non owner car insurance?

If you frequently rent or borrow cars, consider non-owner car insurance. This is especially true if you don't have a car or employer-provided car insurance. You may rest easy with non-owner car insurance.

Some rental car companies need non-owner car insurance before renting. In some circumstances, non-owner automobile insurance may be cheaper than rental car insurance.

Vehicle breakdown insurance

Vehicle breakdown insurance is another option for frequent car renters. This insurance covers flat tyres and dead batteries while driving a borrowed or rented car.

If you're travelling and don't know the local mechanics, vehicle breakdown insurance can help. This insurance gives you piece of mind that you can obtain help immediately if your automobile breaks down.

Non owner car insurance vs. rental car insurance

Non-owner insurance differs from rental automobile insurance. Rental car insurance covers damage and theft to a hired vehicle, while non-owner automobile insurance covers damage and injuries to others while driving a borrowed or rented vehicle.

Consider rental car insurance when renting a car. Check your credit card's rental car insurance benefits. If not, the rental car provider may sell you insurance to cover accidents and theft.

Factors to consider when purchasing non owner car insurance

Non owner car insurance includes many elements. First, check sure the coverage meets your state's liability minimums. Higher coverage limits may also protect you.

Policy cost is another aspect. Non-owner auto insurance is less than ordinary car insurance, but it depends on your driving history, age, and region.

Finally, assess the insurer's reputation. Check the insurance company's claims-paying and customer service record.

Non owner car insurance for Uber and Lyft drivers

Ridesharing drivers may need non-owner auto insurance in addition to ridesharing company insurance. Most rideshare providers provide insurance for drivers, but it may not be enough.

Non-owner automobile insurance can cover accidents not covered by rideshare insurance. It can also cover personal usage of your automobile when not driving for the ridesharing operator.

Conclusion

Non-owner automobile insurance is liability insurance for drivers who borrow or rent cars. It covers damages and injuries caused by borrowing or renting a car. It is not needed, but it can be a cost-effective choice for those without a car or employer-provided car insurance.

In addition to non-owner auto insurance, vehicle breakdown insurance can cover unforeseen car problems when driving a loaned or rented car. If you crash or break down in a rental automobile, both types of insurance will cover you. To get free car insurance quotes, visit FreeCarInsuranceQuote.ca.