What Is Non-Owner Car Insurance and What Does It Cover?

Non Owner Auto Insurance in San Diego, Ca

Non-owner auto insurance offers liability coverage to people who don’t own a car or are not using the car they own. This liability insurance can protect you if you are at fault for an accident and hurt someone else or destroyed property as a result. National City cheap car insurance experts explain why non-owner insurance makes sense to purchase in specific cases.

SR-22 Insurance

If you have been convicted of a serious traffic violation like a DUI or driving without insurance, or if your license has been suspended for some other reason, the state of California requires you to fill out an SR-22 form. This form states you have met the minimum insurance requirements, and it is also required for you to get your license reinstated. If you do not own a car, a non-owner insurance policy is sufficient.

Rental Cars

You may want to purchase a non-owner auto insurance policy if you rent cars often. Having ongoing liability coverage may be less expensive than paying the rental agency’s liability coverage each time. Opting for the agency’s damage collision waiver is a good idea as well because it protects you financially from physical damage sustained to the vehicle.

Frequent Borrowing

A non-owner auto insurance policy can supplement existing policies on cars you borrow regularly from friends or family members. However, this is not the same as having a child who borrows your car on occasion. In those cases, the child would need to be added to the parents’ existing policy.

It is important to understand non-owner car insurance in National City does not include collision or comprehensive coverage. It may include medical coverage for yourself and protection against uninsured or underinsured drivers, which means if you are injured in an accident while driving a borrowed or rented car and the other driver does not have adequate insurance, your non-owner car insurance can help pay for your medical bills.

Learn more about non-owner auto insurance by reaching out to the insurance experts at American Tri-Star. In addition to auto insurance, we also offer affordable commercial, home, and health insurance in National City. Give us a call today at 619-474-3900 and one of our qualified representatives would be happy to assist you and provide a free quote.