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 provided by
Answered on May 06, 2021
“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. “
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Browse by topics
What others are asking
Can my landlord require me to list them as a beneficiary on my renters insurance?
I know that a landlord can demand that a tenant buy renters insurance, but can they also demand to be listed as a beneficiary on the policy?
Mar 08, 2021
Should I cancel insurance on my broken-down car?
My beloved 2000 Ford Ranger is broken down and the repair bill is $1,450. I can’t afford this and I have a newer car to drive. Should I cancel the insurance and take the Ranger off the road? NY resident, liability-only policy.
Apr 26, 2021
"Is 20% APR on a car loan okay? "
My local dealership offered me $10,000 of financing on a $12,000 car at 20%. I have the money to cover the other $2,000 and can afford the monthly $300 payments. But 20% seems a bit high to me, considering that my credit is good. Should I go ahead with the deal?
Apr 26, 2021