Will non owners car insurance help me if I don't ever plan on buying my own car?

I am moving to San Francisco from Virginia and plan on selling my car before I do. Since I will ride my bike most of the time, I don't ever plan on getting another car. Should I keep a non owners policy so that I can drive my roommate's car from time to time?

Answer
“Congratulations, that is a big, exciting move!
While non owners car insurance is a great policy to have, it might not work for some people. It sounds like you will be taking advantage of San Francisco’s active public transportation, so you have a few options.
Your roommate has the option to add you as a driver to their policy. This way, you wouldn’t need the non owners policy at all. If you keep the non owners policy and drive their car, their insurance would pay out first in the event of a claim. Then your policy would handle liability coverage overages, if there are any.
Since this is a new situation for you, you may want to convert your current car insurance to a non owners policy after selling your car. Once you get to San Francisco, see how you feel. After living there for a month or two, you will know if you need the policy or not. “
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Shannon Martin
Answered on Apr 29, 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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