PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
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.
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“
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.
“View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance for Your Car
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
