• Mayer Insurance Agency

What Does Non-Owner Car Insurance Cover?

If you drive a vehicle you do not own, you may still need insurance.


Do you drive regularly? Do you not own those vehicles you drive? If so, you may still need to purchase a form of auto insurance coverage to protect you on the roads. Non-owner car insurance provides liability coverage when you do not have a car but drive one that is not yours. Could you benefit from this coverage?

What is non-owner car insurance?

Non-owner car insurance is for those who regularly drive but do not own the vehicle. It provides liability coverage, which pays for injuries and property damage you cause to others in a car accident. It also provides uninsured/underinsured motorist protection. It is worth noting that it does not cover any damage to the vehicle you have borrowed or rented. The idea behind this is that the owner’s personal auto insurance on the car will step in to cover the collision or comprehensive expenses.


Who needs non-owner car insurance?

You may want to consider non-owner car insurance if you:

• Need an SR-22 form filed on your behalf

• Your state requires insurance to get or reinstate a license

• You use a car-sharing service

• You want to maintain continuous auto insurance coverage

• You rent cars frequently

• You borrow other people’s cars often


The right auto insurance does not have to be hard to find. Get started on your tailored auto insurance by contacting the professionals at Mayer Insurance, serving Apple Valley in Minnesota and surrounding areas.

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