One of the most frequently asked questions about car insurance is can you insure a car that you don't own? There are a couple of very good reasons why you would be driving without a car of your own, and it is never illegal as long as you have a license. As a non-owner, you are still required to be insured in accordance with at least your state's minimum requirements. There are a couple of different ways that you can be insured as a non-owner -one of which is specialized car insurance for this group of people. This post tells you everything you need to know about driving as a non-owner.
When You Would be Driving a Car That You Don't Own
The first and most basic question to answer is what makes a non-owner aside from simply driving a car that you don't own? You may be using a family member's car regularly, borrowing a friend's, you frequently rent cars, or you are still awaiting the vehicle's titles while you make any payments towards it. There are a couple of different insurance solutions to each of these cases -some of which are better suited than others.
Adding a Non-Owner to The Car Owners' Insurance Policy
Reliable car insurance for non-owners who frequently use cars they don't own is the existing insurance policy that the owner of the car has. This is usually the route to go if the car you use is owned by someone else in your household. This can also be the case if you regularly borrow a friend's car. Every car insurance policy has what is known as "permissive use." This means that a non-owner that always has permission to use a vehicle from a friend or family member will be entitled to the policy's auto coverage. This can also be the case if you work as a caretaker for someone who can't drive anymore.
Adding a Non-Owner as Additional Interest on Insurance Policy
Another way that non-owners can drive with insurance, similar to permissive use, is additional interest. This lets the insurance company know that you are involved with the policy in some way financially and must be kept in the loop about any changes the owner makes. This goes a step further than permissive use with the non-owner now involved in the policy status as opposed to just using it.
Adding a Non-Owner to The Car Registration And Title
A non-owner can more or less become a partial owner of the car by being added to the registration and title. This could be the case if you had a part in purchasing the car and literally are a co-owner. Other applications of this can be when you frequently drive your parents' car or have a car on an active payment plan.
Purchase Non-Owner Car Insurance
If you can't do any of the aforementioned methods to get insurance as a non-owner, then there is a specialized car insurance product for you with specialized non-owner car insurance. Non-owner car coverage provides you with all the necessary liability coverage along with personal injury coverage as an add-on. The one catch is that non-owner car insurance does not include full comprehensive and collision coverage for the vehicle since you don't own it. This should also be used as a last resort or if you don't drive too frequently because it acts as secondary coverage to the car's main insurance policy.
* This is a contributed article and this content does not necessarily represent the views of sciencetimes.com
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