What Drivers Need to Know About Non-Owner Car Insurance

If you don’t own a car but still drive, a non-owner car insurance policy may be a wise purchase.  

Did you know that if you don’t own a car, you can still purchase car insurance? Non-owner car insurance is a special policy designed for people who don’t have a car. This coverage offers liability protection when you rent or borrow someone else’s vehicle. We all know how being protected when you drive is important. Non-owner auto insurance provides the coverage you need to stay safe on the roads. Curious to learn more? Here’s what you should know about non-owner car insurance.

When to Get Non-Owner Car Insurance 

You should consider non-owner car insurance if you:

  • Often borrow a friend’s car but do not live with them.
  • Drive a company vehicle and often rent cars for personal use.
  • Are in between cars and do not want to have a lapse in coverage until you buy your next vehicle.
  • Have been charged with a DUI and need liability coverage to get your license reinstated.
  • Use car-sharing services.
  • Don’t currently have auto insurance and need to rent a car for vacation.

What it Covers 

A non-owner policy offers liability insurance. Be aware that non-owner policies do not include collision or comprehensive insurance. Typically, non-owner car insurance excludes:

  • Physical damage to the vehicle
  • A car owned by someone in your household
  • A car owned by you
  • Towing reimbursement
  • Rental reimbursement

Along with safe driving habits, protect yourself on the road with quality auto insurance. Talk to the experts at Perry & Carroll to get your tailored policy in New York.