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
Shannon Martin
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. “

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