What is the purpose of non-owners car insurance?

My mom suggested I get a non-owners car insurance policy. I don't really understand how it works and what the purpose of it is. What should I know?

Answer
“The purpose of non-owners car insurance is to provide someone who doesn’t own a vehicle with liability coverage.
While car insurance typically follows a vehicle, a non-owners policy will provide the driver with coverage that follows them to any vehicle they drive. This would include borrowing or renting a vehicle.
A non-owners policy provides liability coverage that pays for the damages to the other driver’s vehicle and their medical bills when you’re at fault. Without non-owners coverage, you would be responsible for any damage that you cause if you aren’t covered by the vehicle’s insurance or under a permissive use policy.
A non-owners policy can also sometimes save you money when renting vehicles as you aren’t required to add on rental car insurance unless you want additional protection, such as collision or comprehensive coverage.”
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Emily Maracle
Answered on Jul 30, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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