Non-owner car insurance is a relative good idea; particularly if a) you rent a car from time-to-time; or b) you have occasion to drive someone else’s car. The general profile of a person who purchases non-owner car insurance is that of an individual who (although) he or she does not own his or her own automobile and likes to pay it particularly safe when driving a rental vehicle; or when using friends’ or business associates’ automobile(s) wishes to be properly protected against financial loss due to driver error.
This means the individual who decides to buy a non-owner car policy does not (just) assume the owner’s policy is adequate in the way of coverage should he or she become involved in an accident. Certainly, most owners’ policies will cover the non-insured driver up to a certain amount: however, if damage is greater than this particular amount, you will be responsible for the remaining sum. (You will not wish this overage to come out-of-pocket.)
Further, there is always the distinct possibility the owner is (currently) not carrying the proper coverage: should this be the case you are well-advised not to take chances.
The question naturally posted (next) is: What does non-owner car insurance cover? The policy provides the holder with property damage insurance. This specific form of coverage will pay for another persons’ property; and other individuals’ automobiles in an accident where you are at fault. Secondly, a non-owner car insurance policy will pay medical bills for injured parties in an accident, one again, where you are the cause. The latter coverage is inclusive of: physician fees; hospital costs; and associated medical fees.
Collision coverage is not part of a non-owner car insurance policy. This is due to the fact you are not covering accident costs associated with an automobile which you are the owner. The best place to locate non-owner car insurance is on-line.
The majority of the national carriers which provide drivers with standard car insurance provide non-owner car insurance (as well). Credit cards offer automobile coverage for non-owners; however if you plan on driving the rental car over a week, it may be advisable you have a non-owner’s car insurance policy for extra protection as well as peace of mind.
Non-owner car insurance is many times not considered by the individual who does not own an automobile until it is too late. Generally, unaware it exists the person who does not own a car (however drives other vehicles) can protect him or herself easy enough by purchasing a policy through any national carrier. It is just a matter of going on-line and performing a search.