If I get a non owners policy, will that stop my roommate from getting sued if I wreck her car?

My roommate wants to let me drive her car, but she doesn't want to add me to her policy. If I get a non owners policy to drive her car, will that protect her if I get in an accident? She is worried about getting sued.

Answer
Non owners car insurance is a type of insurance a driver gets if they rent or borrow a car but don’t own one themselves. However, these policies are generally not available to drivers who have a car regularly furnished for their use, like in your situation.
The financial responsibility for the car follows the owner. Since your roommate owns the car, her insurance would pay for damages first, and she would be named in any lawsuit.
Even if you had a non owners policy, it would provide liability coverage secondarily after her policy limits are exhausted.
In this case, it may be more suitable for her to add you to her policy as an active driver, and to increase the bodily injury liability and property damage liability limits. It is usually very inexpensive to increase liability limits. She can also feel confident that she will have enough coverage to avoid a lawsuit if an accident does happen. “
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Shannon Martin
Answered on May 06, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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