Understanding Non Owners Liability Insurance

What is non-owner auto liability insurance?

Non owners auto liability insurance is a type of insurance for people who do not own their own vehicle, and occasionally borrow vehicle from a friend or rent one. The usual coverage for the non owners liability insurance includes the bodily injury liability and the property damage liability coverage. The Bodily injury liability coverage pays for any auto insurance claims if you were found at fault in an accident, and any legal fees, if you injure or kill someone. The Property damage liability coverage pays for auto insurance claims made against you if you were found at fault in an accident, legal fees, when you damage another person’s vehicle or property.

IF you borrow a vehicle, your friend’s car insurance may cover you depending on how much your friend’s car insurance coverage. If for instance you cause an accident while driving someone else’s vehicle exceeded the amount of liability coverage they carry, you will then be responsible for the difference in damage amount.

Some rental companies may or may not provide liability coverage when you rent a vehicle. If they do, they will offer a limited amount of car insurance coverage In addition to that, getting non owners auto liability insurance is usually cheaper if you plan to rent a car for more than 15 days in a year.