Non owner insurance coverage

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Non Owner Insurance Coverage

Non owner insurance coverage

Non owner insurance coverage is liability insurance for people who don’t own a vehicle. It can be purchased with or without an SR22 filing. Non owner insurance allows for reinstatement of a driver’s license, and provides minimum liability insurance coverage to drive a non-owned vehicle on an occasional basis. Non owner insurance does not insure a vehicle, therefore it has coverage limitations.

Non owner insurance coverage is liability-only insurance the state requires people to carry in certain circumstances. Non-owner insurance is secondary insurance on any non-owned vehicle you drive on an occasional basis.

How does non owner insurance coverage work?

SR22 non owner insurance usually includes a certain amount of bodily injury and property damage liability coverage. If you cause an accident, the vehicle owner’s insurance pays claims first. Your policy comes into effect only if claims exceed the vehicle owner’s coverage limits. Non-owner insurance only covers personal injury or property damage of the other party involved in an accident in which you’re at fault.

Why do I need insurance if I don’t own a car?

SR22 non owner insurance is a proof of financial responsibility certificate. If the state requires you to carry SR22 insurance, maintaining it without lapse reduces your chances of being classified as a high-risk driver after you complete your SR22 obligation.

Even if you don’t own a vehicle and you don’t need SR22 insurance, maintaining non-owner insurance indicates financial responsibility on your part. Carrying non-owner insurance also serves as proof of continuous coverage, which is an excellent way to maintain or regain preferred driver status with insurance companies.

Coverage limitations

It’s essential to know about non-owner insurance coverage limitations.

  • Neither comprehensive nor collision coverage are available.
  • You cannot claim towing charges.
  • Coverage does not extend to rental or commercial vehicles, vehicles in your household, or vehicles you borrow frequently.
  • Coverage does not extend to any employment-related vehicle.
  • Teen drivers in your household cannot buy a non-owner policy as a cheaper insurance alternative.

How much does it cost?

Since non owner insurance coverage doesn’t apply to you or the car you borrow to drive, the owner must carry insurance on their vehicle. Because of the policy limitations cited above, premiums for non-owner insurance are generally less expensive than SR22 owner or owner-operator insurance. Rates will vary from person to person based on a variety of factors.

More about non owner insurance

See the following articles for information related to non owner insurance coverage:

Non Owner SR22
SR22 Non Owner Insurance
What is non owners SR22 insurance?
What is a non owner policy?
Non Owner SR22 Insurance Companies
I have no car but need SR22 insurance
Non Driver Insurance
SR22 Insurance Quotes Without Vehicle
Cheap Non Owners SR22 Insurance
Non Owner SR22 vs SR22 Insurance

When you need non owner insurance coverage, let an UltraCar Insurance agent help. Call us or start an online quote now! We’ll answer your questions, provide competitive non-owner SR22 quotes, and quickly file your certificate.

This article was last updated on December 16th, 2021 by