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What Does Non-Owner Car Insurance Cover?

someone driving a car

Insurance for Motorists Who Don’t Own a Car

Even though you don’t own a car doesn’t mean you don’t drive. Non-owner car insurance is for people who don’t have ownership of the cars they drive. To help you understand more about this auto insurance in Renton, WA, read on.

What is non-owner car insurance?

Non-owner car insurance is liability-only auto insurance that you may use if you don’t own a vehicle but still drive and need insurance. In essence, this car cover is designed to protect you from the following circumstances:

  • You are a high-risk driver. Your license has been suspended and you need an SR-22
  • You’re an occasional drive that doesn’t own a vehicle
  • You’re between vehicles

What does non-owners insurance cover?

This policy works like a traditional car insurance policy with one large exception – you’re limited to liability coverage. This means you won’t have comprehensive or collision coverage. The insurance company doesn’t know the specifics of the vehicle you’ll be driving, which is why this coverage is not offered. What’s more, if you’re driving your neighbor’s car, their own collision and comprehensive coverage should kick in if the vehicle is damaged in a car accident.

A typical policy will provide:

  • Liability coverage
  • Uninsured/underinsured motorist coverage
  • Personal Injury Protection

Do you have more questions about this coverage? When you’re looking for reliable and affordable car insurance cover, talk to the team at Humble & Davenport Insurance.