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Non Owner Insurance Quote Los Angeles | Non Owner Car Insurance

California Non Owner Insurance Coverage

A California resident is required by law to have liability insurance coverage in order to operate a vehicle. Drivers in California who do not own a vehicle have the option of purchasing a non-owner insurance policy, which provides liability insurance coverage. Non-Owner insurance is only intended for individuals who do not regularly operate a vehicle. This type of insurance is for those who occasionally borrow or rent a car. 

What is a Non-Owner Insurance Policy?
A Non-Owner Insurance policy is a secondary liability insurance coverage that is placed on a California driver's license. With most California Insurance carriers, a Non-Owner Insurance policy will cover liability claims if there is no primary auto insurance coverage in place or primary insurance carrier has rejected coverage. A Non-Owner Insurance policy does not offer coverage for vehicles registered in the same household or to the named insured.

What is covered by a Non-Owner Insurance Policy?
A Non-Owner Insurance policy is a secondary liability policy covering the primary insured. Coverage includes liability, medical payments and limited uninsured motorist. A Non-Owner Insurance policy does NOT cover damages to the operated vehicle such as comprehensive or collision coverage offered in a regular auto insurance policy. 

What is a Non-Owner SR22 Insurance?
Drivers who qualify for a non-owner insurance policy have the option of adding SR-22 insurance filing to a named nonowner policy. SR-22 insurance, also called "Financial Responsibility Filing" or "FR Filing". SR-22 is a form that State of California DMV (Department of Motor Vehicles) require a high-risk drivers to file to prove that he or she has adequate insurance coverage at all times. California drivers with multiple major moving violations such as hit and run, reckless driving or DUI (Driving Under the Influence of Alcohol or Drugs) are considered high-risk drivers.

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