Non-owner car insurance provides liability coverage for people who don't own vehicles but occasionally drive others' cars. This specialized coverage protects you when borrowing or renting vehicles, offering an extra layer of protection beyond the car owner's policy.

What Non-Owner Car Insurance Covers:

• Liability coverage for injuries or property damage to others
• Optional uninsured/underinsured motorist protection
• Medical payments or personal injury protection
• No deductible typically required
• No collision or comprehensive coverage included

Who Should Get Non-Owner Insurance:

• Frequent car borrowers
• Regular car renters
• Car-sharing service users
• Company car drivers (for personal use)
• Those needing SR-22 or FR-44 forms
• People wanting to maintain continuous coverage between vehicles

Who Shouldn't Get Non-Owner Insurance:

• Those who borrow cars from household members
• Regular drivers of the same non-household vehicle
• Infrequent drivers (once or twice per year)
• People who don't drive at all

Coverage Details:

• Pays for damages exceeding the car owner's policy limits
• Supplements rental car company coverage
• Provides coverage during personal use of company vehicles
• Helps maintain continuous insurance history

Important Limitations:

• Doesn't cover damage to borrowed or rented vehicles
• No coverage extension to household members
• Only includes liability and selected optional coverages
• Must be purchased directly through insurance companies or agents (not available online)

Where to Buy:

• State Farm (800-782-8332)
• Travelers (866-349-4119)
• GEICO (800-207-7847)
• Local insurance agencies

Cost Factors:

• Generally less expensive than standard auto insurance
• Price varies based on:
  • Age
  • Driving record
  • Frequency of use
  • Location
  • Coverage limits selected
  • SR-22/FR-44 requirements (if applicable)

Non-owner car insurance serves as an important protection for those who drive but don't own vehicles. Before purchasing, evaluate your driving habits and coverage needs to determine if this type of policy is right for you.

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