As we saw in a previous post, car insurance is mandatory in California. But what happens when you drive often but don’t own a car because you rent or borrow vehicles?
What Is Non-Owner Car Insurance?
Non-owner car insurance (also known as non-owners insurance) is a coverage designed to protect drivers who don’t own a car because they rent or borrow often.
Now, what you have to keep in mind about non-owner car insurance is that it’s a liability policy.
This means that non-owner coverage won’t help pay for the damages to the car you drive or for medical care if you sustain injuries as a result of an accident. It does cover, however, the damages and injuries for which you are considered liable.
If you need more protection than what your policy offers, you can always purchase additional coverages to customize your policy. The good news is that non-owners policy tends to be less expensive than traditional coverage.
Who Needs Non-Owner Car Insurance (and Who Doesn’t)?
Non-owner car insurance is a good option if you rent cars often because it may end up being cheaper than purchasing liability coverage every time you rent a vehicle.
This type of policy is also a smart move if you use car-sharing services. Although these services include insurance, the coverage usually meets only the minimum legal requirements and you want to be protected against the costs of a serious accident.
On the other hand, non-owner car insurance is not the best choice if you borrow a car from a person in your household. In that case, what you need is to be listed on that person’s policy.
As you can see, there are many possible scenarios where non-owner car insurance can help — and some cases where you need other types of insurance.
If you have questions or want to get started on an affordable auto insurance policy in California, contact the experts at RF1 Insurance. We’ll be happy to help you make sense of your options.
RF1 Insurance Services: Auto Insurance in California
Looking for Auto Insurance in Ontario, California, or anywhere in the Golden State? At RF1 Insurance we work with some of the world’s most trusted insurance companies, including Safeco, Guard, Stillwater, National General Premier, Aegis, and the California Fair Plan.