Auto insurance is compulsory for car owners, but what are the rules for car insurance for non-car owners? Is it required? What happens if you are driving your friend's car and meet with an accident? Does insurance cover such accidents? 

If you are worried about such questions, there's no need to worry since we cover all your queries in this article. If you need to protect yourself without owning a car, it's vital to consider insurance for non-car owners.

Definition Of Non-Car Owners Insurance

The insurance cover provided for drivers who are not owners of a vehicle is defined as non-car owners' insurance. If there is any property damage or bodily injury, then this form of motor insurance will pay for it.

You can opt for affordable non-owners car insurance since no vehicle is being insured. The chances of accidents are lower since the insured will not drive frequently. 

When Do You Need Non-Car Owners Insurance?

Car insurance for non-car owners would be beneficial in the following cases:

Regular Car Renters

If you regularly rent self-driven cars, then non-owner car insurance would be the best choice since regular over-the-counter insurance would be very expensive. 

SR-22 Needs To Be Filed

Losing your license due to a major traffic violation or DUI, SR-22 needs to be filed, and for this, the state requires minimum liability insurance coverage. Your best option would be a non-owner SR-22 insurance policy. 

New Drivers

If you have recently got your driving license and your family does not own a car, then affordable non-owners car insurance is the best way out. 

Avoiding Lapses In Coverage

Insurance premiums go up if there is a lapse in coverage. To avoid paying a high premium while reinstating a lapsed auto insurance policy, go for car insurance for non-car owners.

What Is Excluded Under Non-Car Owners Insurance? 

Vehicle Not Covered

Any comprehensive or collision coverage is not offered for your car under insurance for non-car owners. So any damage caused to your car will have to be paid out of pocket. 

Driving a Family Member's Car

This is excluded under insurance for non-car owners, so it's best you get yourself added to their auto insurance policy. It's essential to get yourself added if you keep borrowing a vehicle belonging to a family member on a regular basis. 

How to Apply for Non-Car Owners' Insurance? 

Not all insurance companies offer insurance for non-car owners. Find out the all insurers who offer such insurance at ConsumerCoverage. You need to keep the following documents handy when applying for insurance:

  • Driver's license
  • Debit or credit card
  • Driving history records

Conclusion

Get a free non-owners car insurance quote online at ConsumerCoverage. Choose the company that requires minimal documentation and offers the best rates. Get the insurance you require according to your budget and start driving stress-free, whatever your driving record!

ConsumerCoverage makes it easy for you to purchase insurance. All you need to do is select the type of insurance you need, fill up a short form, and buy your policy.