What Is Non-Owner Auto Insurance?

Non-owner auto insurance is, unsurprisingly, for drivers who do not own vehicles. If you rely on public transportation or your feet or bicycle to get around town, then you may mistakenly believe that you’re off the hook for purchasing auto insurance. However, if you occasionally rent a vehicle, use a car-sharing service, borrow other people’s cars, or you simply want to avoid gaps in auto insurance coverage, then non-owner auto insurance may be for you.

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Because you’re statistically less likely to file a claim, non-owner auto insurance typically costs considerably less than a standard auto insurance policy, however, you usually must prove you’ve had prior auto insurance for the previous 6 months. An auto insurance agent can help you find the best price available to you.

What Does Non-Owner Auto Insurance Cover?

In most cases, non-owner coverage includes state-mandated auto insurance coverage. This generally includes liability coverage and may also include uninsured/underinsured motorist coverage and medical payments, depending on where you reside. It does not usually include comprehensive or collision coverage, which pays for damages caused to the vehicle you’re driving if you’re at fault for a collision.

Getting the Right Auto Insurance Coverage with Nevada Insurance Enrollment

Note:  If you borrow a vehicle from a relative or someone living in your household, then non-owner auto insurance probably isn’t the right choice. In that instance, you should be listed as a driver on their auto insurance policy. Your auto insurance agent from Nevada Insurance Enrollment can help you ensure that you have the right auto insurance policy for your needs.

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Read More: Auto Insurance in Las Vegas, Nevada

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DISCLAIMER: It is important to note that the information contained herein is made general for the purpose of explanation.  You should consult your policy for exclusions or other language that may alter your policy.

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