What is The Coverage of a Non-Owner's Car
Not all of us can afford to buy a new car. In fact, travelling
through public transportation is a good idea but it can also be a great inconvenience. This is because you
don’t have the control to really drive a train or a bus to the right destination you need. Not only can that,
traveling by bus or train or taxi take a long time. Sometimes, it can also be the cause of your
That is why you need to have a car however, as I have mentioned,
not all of us can afford one. So what do you do? Rent a car or maybe use someone else’s car. But can you
drive without car insurance? Well, no but you can always get one even if it’s not your car. If you want to
know more, read this article.
You can own car insurance for the car that isn’t yours. With the
help of a non-owner’s car insurance, you can have the same benefits of someone who owns a car. Of course,
this might sound ridiculous to you but if you think about it, it is also beneficial along the way. Like
regular car insurance, you will also have coverage for the car that you are driving even if it’s not yours. A
non-owner’s car insurance provides you with:
§ Liability coverage or what we all know as the financial responsibility you have when someone is
injured in the event of an accident.
§ Comprehensive or collision damage
Injury Protection or better known as PIP
§ Underinsured or uninsured motor protection
Since you don’t own the car, your insurance coverage is mostly
basic. What you are merely paying is the protection for the driver, if you are driving the car then you also
need to get insurance for your passengers as well as their properties. It doesn’t matter if you are staying
at home or travelling, you must be able to have these in your policy.
You can also have this kind of insurance if you are renting a car.
If indeed you want to rent a car, make sure that you are going to rent it for a long time. This way your
non-owner’s car insurance will be in full use. Besides, car insurance companies would prefer that you have
this kind of insurance for a long period of time.
The cost of a non-owner’s car insurance will depend on certain
factors. This includes your driving record, your residency and the additional fees that the company might
charge you. So better get the right estimation for this kind of policy. This way you can also prepare for
Understand that when you have the non-owner’s car insurance, it
only applies when the existing and available insurance is used. This means that if you happen to be involved
in an accident using your friend’s car, his car insurance will cover for the damage or injuries until the
insurance is used. Once this is exhausted, your non-owner’s insurance can then be used. So since you will be
driving someone else’s car, make sure that you drive carefully and safely. Though this policy can help,
nothing is more important that being careful on the road.