What is non-owner car insurance?

Non-owner car insurance is for people who desire auto insurance but do not own a car. Non-owner coverage protects you if you are involved in an accident while driving someone else’s car and allows you to drive legally without being added to another person’s policy.

This kind of insurance policy is useful for a person who frequently operates vehicles that he/she does not own, such as company cars or commercial vehicles. Usually, the employer will already have taken out a policy on the vehicle(s), but it may be advisable for the operator to purchase his or her own insurance for added coverage.

A person who often borrows vehicles from his/her family or friends will generally need to purchase non-owner auto insurance in order to be covered when behind the wheel; providing peace of mind, even on the shortest of trips. Non-owner coverage may also be a good option for people such as businessmen, who frequently use rented vehicles. This kind of car insurance can also provide assurances that a person is covered while driving a rental car without having to purchase expensive additional coverage from the rental company.

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