{"id":485,"date":"2017-07-30T12:00:14","date_gmt":"2017-07-30T16:00:14","guid":{"rendered":"https:\/\/www.protectiveagency.com\/blog\/?p=485"},"modified":"2024-02-26T02:17:08","modified_gmt":"2024-02-26T06:17:08","slug":"non-owners-auto-insurance-policy","status":"publish","type":"post","link":"https:\/\/www.protectiveagency.com\/blog\/non-owners-auto-insurance-policy\/","title":{"rendered":"What is a Non-Owners\u2019 Auto Insurance Policy?"},"content":{"rendered":"

You wanted to head to the gym one evening, but you don\u2019t have a car. Your best friend usually goes to the gym with you, but he isn\u2019t feeling good. So, you ask to borrow his car. He agrees, and you head off to the gym. <\/span><\/p>\n

 <\/p>\n

A great workout follows and soon after you hop behind the wheel, again. You\u2019re amped from the workout and not as focused on driving as you should be. Then it happens. You crash into oncoming traffic. It\u2019s a huge three car wreck.<\/span><\/p>\n

 <\/p>\n

You get out and quickly realize you\u2019re fine. However, the others in the wreck aren\u2019t so lucky. The three cars look awful and two other drivers need to be taken to the hospital. While you think insurance will cover it all, your roommate only had minimum coverage. You don\u2019t own a car, so you never thought to get car insurance.<\/span><\/p>\n

 <\/p>\n

The minimum coverage doesn\u2019t come close to covering the costs of the medical bills and car repairs. Guess who ends up footing the bill for the rest of the costs? Your best friend, the owner of the car, and the insurance policy. Even though you were driving, you could be considered a \u201cPermissive Driver\u201d but still found partially negligent, and will have to share in financially. This type of driver is someone that was given permission to drive someone\u2019s vehicle, but is not on the auto policy. If you don\u2019t have non-owners\u2019 auto insurance<\/a>, then you will be paying too.<\/span><\/p>\n

 <\/p>\n

What is Non-Owners\u2019 Auto Insurance?<\/b><\/p>\n

 <\/p>\n

Non-owners\u2019 auto insurance is an important policy for people who have a driver\u2019s license, but do not own a car. The coverage offers liability insurance when you rent a car or borrow an auto from a friend or family member. These policies will pay for injuries and any property damage that you cause to other drivers and their passengers. <\/span><\/p>\n

 <\/p>\n

Who Needs Non-Owners\u2019 Coverage?<\/b><\/p>\n

 <\/p>\n

From the example above, you can see the value of \u00a0a non-owners\u2019 policy. Any individual who has a driver’s license, but doesn\u2019t own a car could benefit from carrying this policy. Here are a few situations where non-owners\u2019 coverage is absolutely vital:<\/span><\/p>\n

 <\/p>\n