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Top Reasons To Buy Non Owner Liability Coverage
If you don't own a car, but occasionally to rent or borrow one for weekend escapes or out-of-town business trips, you should consider purchasing non owner liability coverage.Non Owner Liability Coverage Defined
This auto insurance package covers:
- Bodily Injury: Covers the medical costs of the other driver and passengers involved in an accident caused by your negligence.
- Property Damage: Covers the repair costs of the other car or cars involved in an accident caused by your negligence.
Because it's liability insurance, it only covers for your negligence. This means if your mistake causes a car accident, your non owner liability coverage will pay the other driver's medical and vehicle repair costs (up to the policy's limits, of course). It does not, however, repair the damages for the rented or borrowed vehicle you're driving.
If you prefer additional protection to cover your expenses in the event of an accident, you'll need to take out comprehensive, collision, or even personal injury protection (if available in your state). These are separate car insurance policies, available from all car insurance companies.
Vehicles Covered Under Non Owner Liability
Non owner liability insurance is limiting in that it only covers rental cars and borrowed vehicles driven by you. It does not protect:
- Any vehicle registered under your name.
- Any vehicle titled to you.
- Work-related vehicles.
- Non-private passenger type vehicles.
- Any vehicle owned by a resident of your household; say, for example, you daughter's car.
- Any vehicle that's loaned to you on a regular basis.
With this protection, you do not need to buy rental car insurance when renting a car―you're covered.
If you do buy a vehicle while carrying non owner liability coverage, you will need to upgrade your insurance to meet your state's mandated liability insurance requirements.
Shopping for Non Owner Liability Coverage
When looking for a provider, shop around and compare quotes, just as you would with regular liability car insurance. The more quotes you compare, the better your chances of finding a rate that meets your budget and driving situation.
You'll find that non owner liability rates are far less than the rates for full-time car insurance. These rates do vary by state.
In This Section
Other Topics in This Section
- Top Reasons To Buy Liability Insurance
The Benefits Of Liability Insurance. Many States Require Liability Coverage To Protect Drivers In Auto Accidents. Learn More On Liability Auto Insurance Before Buying A Car Insurance Policy.
- Top Reasons To Buy Bodily Injury Coverage
Bodily Injury Coverage And Personal Injury Protection Info. Find Out If This Car Insurance Coverage Is Worth Adding To Your Auto Insurance Policy Before You Get In An Auto Accident.
- Top Reasons To Buy Property Damage Coverage
Learn The Benefits Of Property Damage Coverage And Physical Damage Protection. Get Car Insurance And Auto Accident Info To Make An Educated Decision When Buying An Auto Insurance Policy.
- Top Reasons To Buy Comprehensive Insurance
Learn The Benefits Of Comprehensive Insurance. Determine If Physical Damage Protection Is A Type Of Car Insurance You Should Buy. Find Auto Insurance Info Online.
- Top Reasons To Buy Collision Insurance
Find The Benefits Of Collision Insurance Online. Get Info On Auto Insurance That Protects You In Case Of An Auto Accident. Learn More On Physical Damage Protection And Car Insurance.
- Top Reasons To Buy Medical Payments Insurance
Get Info On Medical Payments Insurance And Auto Insurance That Covers Personal Injury And Medical Bills. Learn More On Car Insurance That Covers Bodily Injury In An Auto Accident.
- Top Reasons To Buy Rental Reimbursement Insurance
Rental Reimbursement Insurance Info. More On Car Insurance Covering Rental Car Expenses After An Auto Accident. Determine If You Need To Buy Auto Insurance That Pays If You Rent A Car.
- Top Reasons To Buy Uninsured Motorist Insurance
Why It's Smart To Buy Uninsured Motorist Insurance. In The Case Of A Car Wreck With An Uninsured Driver, Uninsured Motorist Coverage Pays For More Expenses Than Regular Auto Insurance.
- Top Reasons To Buy Underinsured Motorist Insurance
Reasons To Buy Underinsured Motorist Insurance. If You Get In A Car Accident With An Underinsured Driver, This Type Of Auto Insurance Covers More Expenses Than Regular Car Insurance.
- Top Reasons To Buy Roadside Assistance Insurance
Info On Roadside Assistance Insurance And Emergency Road Service Coverage. Some Auto Insurance Providers Offer ERS Insurance For Tow Truck Expenses And More.
- Top Reasons To Buy Gap Insurance
If you lease or have a loan on your car, find out why gap insurance, also known as loan-lease gap coverage, can Find out how this coverage can help protect your finances.
- Top Reasons To Buy Loan Lease Coverage
Protect An Auto Loan Or Car Lease With Loan Lease Coverage. Look Online For Car Insurance And Auto Lien Info. Some Lenders Require Specific Types Of Auto Insurance Coverage.
- Top Reasons To Buy Hired Auto Insurance
Guide To Hired Auto Insurance And Non Owned Vehicle Liability Insurance. Learn More On Car Insurance Coverage If You Are Involved In An Auto Accident While Driving A Car That Isn't Yours.
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