Non-owner insurance is called an operator policy, which is for drivers who don’t own a vehicle. It only covers the policyholder when they drive a non-owned/borrowed vehicle. Non-owner insurance is secondary, liability-only coverage that protects you against vehicle accident claims from other parties. It’s not a substitute or replacement for the primary insurance of a vehicle owner. Non-owner, or No Car insurance has coverage limitations. It does not cover or include the following:
- Teenage drivers living at home
- Comprehensive or collision coverage
- Rental, commercial, or employer-provided vehicles
- Vehicles owned by others in your household
- Any car you borrow to drive
- Injuries to yourself or passengers in the car you’re driving
Drivers who don’t own a car can choose to carry non-owner insurance to be financially responsible. Or drivers can attach a high-risk certificate to a non-owner policy to reinstate their suspended license. UltraCar Insurance provides non-owner insurance in 34 states, with or without an SR-22 or FR-44 filing.
