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Non-owner auto insurance, a flexible liability coverage, is tailored for individuals who occasionally drive in Southeast Michigan but do not own a vehicle.
What is Non-Owner Auto Insurance?
This auto insurance, designed for those who do not own a car but may need to drive someone else’s vehicle, offers a sense of security. Non-owner auto insurance covers the property and bodily injury you might cause in an accident in someone else’s car, providing peace of mind to the driver and the original owner. It strictly offers liability protection, ensuring you are covered in case of an accident and there is nothing else for you or your borrowed vehicle.
Who Needs Non-Owner Auto Insurance?
Non-owner auto insurance is ideal for several groups of people:
- Frequent Renters: If you regularly rent cars, non-owner insurance can provide liability coverage, potentially at a lower cost than the insurance offered by rental companies.
- Borrowed Vehicles: If you often borrow cars from friends or family members, having non-owner insurance ensures you are covered in case of an accident.
- Those Between Vehicles: If you have sold your car and are waiting to purchase a new one, maintaining non-owner insurance can prevent a gap in your auto insurance history, which could help you avoid higher premiums.
- High-Risk Drivers: Non-owner insurance fulfills this requirement for drivers required to file an SR-22 or FR-44 (proof of financial responsibility) but do not own a car.
Limitations of Non-Owner Auto Insurance
While non-owner auto insurance provides liability coverage, comp, and collision are omitted. Additionally, it does not cover personal injuries, rental reimbursement, or towing.
Atlas Insurance Agency Is There For You
Atlas Insurance Agency is here for you when you need insurance information. Our services are available at the Southeast Michigan locations. Call today.