Non Owners Auto Insurance
Reader’s Question:
What is the meaning of the non-owners insurance policy and what are the qualifications for using/getting it?
May
Huntsville, AL
Non-owners insurance policy is typically an additional coverage to provide you liability protection for when you are at fault and don’t own a car.
The qualifications for getting non owners would be to first have the policy and then it would be limited to the coverage definitions and exclusions in that insurance policy. Typically, those are standard to the coverage you have. For instance, to obtain a non-owners policy you would only buy property damage and bodily injury coverage.
I suggest that you verify that any car you drive is insured. The owner of that car is required to insure it. A non-owners policy would be secondary to that auto insurance.