Most people have never heard of non owners car insurance. So, what is non-owner car insurance? Basically, it covers you if you are driving a car that is not yours and you have an accident. When you really need a car, say to pick up a piece of furniture you bought, the bus just won’t do, You may borrow one from a friend or family member and that’s where non owners car insurance comes in.
Non owners car insurance provides you liability protection if you cause an accident and hurt someone. This type of insurance usually does not cover any collision damages. When asking what is non-owner car insurance, you should note that your non owners coverage only applies when all other car insurance policies are already tapped. The person you borrowed the car from will have their insurance cover the damages and if their coverage limit is reached, only then would your non owners coverage kick in.
If you borrow a friends car and cause an accident, you are likely to feel terrible. The only thing that could be worse is finding out that your friends coverage falls short of the damages you caused. If you frequently borrow vehicles, get non owners car insurance. You owe it to the friends and family who let you so generously borrow their cars.