Call Us 352-567-5454 ☰ ˟
Logo
Our Carriers Call Us:352-567-5454
  • Home
  • Products
    • Automobile
    • SR-22
    • DUI Insurance
    • Non-Owners Policy
    • Homeowners
    • Business & CommercialImage of right arrow
      • Commercial Auto
      • General Liability
      • Commercial Property Insurance
    • Flood
    • Renters
    • ATV
    • Boat
    • Motorcycle
  • Get a Quote
    • Auto Quote Form
    • Non-owners Policy
    • SR-22 Insurance
    • DUI Insurance
    • Homeowners Quote
    • General Liability Quote Form
    • Commercial Auto Insurance Quote
  • resources
    • Refer a Friend
    • Carriers
  • About us
    • About Us
    • Privacy Policy
    • Location(s)
  • Contact
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
SR-22 Icon

SR-22

We browse through a wide variety of coverages and find the right one for you.

Get a Quote

DUI Insurance Icon

DUI Insurance

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Non-Owners Policy Icon

Non-Owners Policy

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Home Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Commercial Icon

Commercial

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Home > Blog > What Is Non-owner Car Insurance? - Gene Smith Insurance
MONDAY, FEBRUARY 27, 2023

What Is Non-owner Car Insurance?

If you are a licensed driver but don’t have a car registered in your name, non-owner auto insurance coverage can help provide much-needed financial protection when you borrow or rent a vehicle.  

Contact the agents at Gene Smith Insurance Agency in Zephyrhills and Dade City, Florida, to learn more about how to get appropriate auto insurance.  

What Is Non-owner Car Insurance? 


A non-owner car insurance policy helps cover your legal liability for third-party injuries and property damage if you cause an accident while driving a car you do not own.  a blue car parked in a parking lot

This policy is designed for people who drive regularly but don’t own a vehicle, such as those who rent or borrow a car frequently. Liability insurance can help protect your other assets, like your home or savings, if you cause an accident. Without liability coverage, you could be personally liable for paying for any damage you cause out of pocket.  

What Coverages Are Included with Non-owner Car Insurance? 

A standard non-owner auto insurance policy may help cover the following: 

  • Your legal defense if you are sued for causing a car accident
  • Repairs to someone else’s car or other property if you cause damage while driving
  • Medical bills for another driver, passenger or pedestrian if you cause injuries while driving

Depending on your situation, your agent may recommend that you customize your non-owners insurance policy with personal injury protection (PIP), which helps pay your medical bills after an accident. If you borrow a car, the owner’s PIP coverage may help pay your medical bills, so consult your agent to understand how these coverages may work together.  

In general, non-owner auto insurance is considered secondary coverage. If the vehicle you borrow is insured, that policy will pay up to the policy’s limits before your coverage kicks in.  

Non-owner car insurance does not include collision and comprehensive coverage, which helps cover the car you borrow or rent if it’s damaged in an at-fault accident. This coverage may also provide coverage if you hit an animal in the road or the car is vandalized, stolen or damaged by severe weather.  

Who Needs Non-owner Car Insurance? 

Non-owner car insurance can be a good fit for numerous situations, including the following: 
  • You want to avoid a gap in car insurance. Insurers may see drivers with a gap in coverage as high-risk, which could cause your premiums to go up in the future.
  • You use car-sharing services like Zipcar or CarHopper. These services typically provide minimum liability coverage, which may not be enough to cover your legal liability for third-party bodily injury and property damage.
  • You often rent cars. Purchasing a non-owners liability policy from your agent can be much less expensive than buying the policy offered by the rental car company.


How to Get Non-owner Auto Insurance 

Non-owner auto insurance is a specialty policy that your agent can help you get at a great rate. Contact Gene Smith Agency today to get the auto insurance coverage you need.  

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information. 

Posted 1:50 PM

Tags: auto, car, insurance, coverage, accident
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022

  • coverage(5)
  • insurance(5)
  • auto insurance(4)
  • policy(3)
  • homeowners(3)
  • auto(2)
  • car(2)
  • accident(2)
  • business interruption(1)
  • windstorm insurance(1)
  • home insurance(1)
  • wind and hail coverage(1)
  • bodily injury insurance(1)
  • florida weather impact(1)
  • sr22(1)
  • condo insurance(1)
  • dui insurance(1)
  • workers compensation insurance(1)

View Mobile Version

Contact Us Today!
352-567-5454

Social

Resources

  • Get a Quote
  • Our Carriers
  • About Us
  • Refer A Friend
  • Blog
  • Locations

Contact Us 

14836 Highway 301 | Dade City, FL 33523
Main: 352-567-5454
© Copyright. All rights reserved. | Powered by Insurance Website Builder