The Basics of Non-Owner Auto Insurance
Auto insurance in Redlands, CA is important for every motorist. It's illegal to drive without coverage and it pays to work with the right insurer for protection. But what if you borrowed your friend's car to get to work or needed to drive your parent's car to run some errands for them? Are you covered under their policy?
Here's what you should know about non-owner car insurance.
Non-owner car insurance is a lesser-known policy that provides quality coverage for drivers operating a vehicle they don't own. This type of liability insurance helps to protect you in case of an accident when you are the at-fault driver. It is insurance that offers you bodily injury and property damage coverage so that you have a better chance of protecting your finances if an accident were to happen.
In addition to the liability coverage, non-owner car insurance can include:
- Uninsured/Underinsured Motorist Liability Insurance
- Medical Payments or Personal Injury Protection Coverage
- Rental Car Liability Coverage
Keep in mind that this insurance doesn't include comprehensive or collision coverage. This means damages to the vehicle, your medical bills, and your injury costs are not covered.
Who needs coverage?
You are not legally required to have this coverage if you don't own a car. However, it can be incredibly useful for many motorists who regularly hop behind the wheel of a vehicle they don't own. People should consider this coverage if you:
- Regularly rent cars
- Borrow other people's cars
- Want to maintain continuous auto insurance (avoid lapses in coverage)
- Use a car-sharing service
- Were convicted of a DUI or another serious violation
At Little & Sons Insurance Services, we take the time to get to know your needs so we can provide you with quality insurance coverage.
Contact us for the right
auto insurance in Redlands and neighboring cities in CA today!
