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Non Owner Car Insurance

If you have any questions regarding non-owner car insurance, please feel free to contact us by calling 877-333-8303

Non Owner Insurance Coverage

The state of California requires drivers to have minimum liability insurance coverage to operate a vehicle. Drivers in California who do not own a car have the option of purchasing a non-owner insurance policy, which provides liability insurance coverage. Drivers’ who do not own a vehicle can buy Non-Owner insurance. This type of insurance is for those who occasionally rent a car and need liability insurance coverage.

Non Owner Car Insurance

What is a Non-Owner Insurance Policy?

A Non Owner Insurance policy is a secondary liability insurance coverage placed on a California drivers’ license. Non-Owner Insurance policy does not provide coverage for vehicles with regular access, registered in the same household or registered to the named insured.

 

What is covered by a Non Owner Insurance Policy?

Non Owner Insurance Coverage includes liability, medical payments, and limited uninsured motorist. Non Owner Insurance policy does not cover damages to the operated vehicle, such as comprehensive or collision coverage offered in a standard auto insurance policy. For example, suppose you are renting a car from a rental car agency. In that case, your Non Owner Insurance policy will not provide coverage for any physical damage caused to the rented vehicle. Some credit card companies include physical damage coverage for a rental car as long as you’re using the credit card to pay for the rental cost. Suppose your credit card company offers physical damage coverage for the rented vehicle. In that case, you can use your Non Owner insurance policy for liability coverage and avoid paying daily insurance for the rented vehicle.

Non Owner Car Insurance is Not for Everyone

Non Owner Car Insurance is a restricted policy and does not provide coverage to vehicles with regular access. Policy exclusions include not operating a car registered to the named insured, the same household, employer, or an imminent family member.

GM Insurance is here to help!

We encourage you to contact us at 877-333-8303 to determine if a Non Owner Insurance Policy would be a good fit for your needs. You may also request a Non Owner Insurance Quote Online.

Non Owner Car Insurance SR22

The State of California requires high-risk drivers to have a liability insurance policy at all times to keep their Driver License active. A driver with a major moving violation such as DUI conviction, reckless driving, or speeding over 100 would be considered a high-risk driver and have a suspended Driver License. To remove the suspension, the State of California would require a driver to obtain an SR22 Insurance Filing. An SR22 Insurance filing informs the DMV about the drivers’ insurance policy status being active or canceled. A Non Owner Insurance policy with an SR22 filing would be ideal for a driver who does not own or operate a vehicle regularly.

Please contact us for more information on Non Owner SR22 Insurance by calling 877-333-8303 or request your Non Owner SR22 insurance quote online.