Everyone has a different life and circumstances. While most auto insurance is specifically tailored to individuals and their automobiles, there are other policies designed for non-owners. If you drive regularly but don’t own a vehicle in Muskogee, OK, D & E Insurance Agency can help you find a policy that works for you.
How Does Non-Owner Auto Insurance Work?
Not every insurance company even offers non-owner policies. Normally, insurance follows the car instead of the driver. That way, people can allow their friends and family members to borrow their vehicles.
With a non-owner policy, the insurance follows the driver. A non-owner policy provides liability protection to the driver in whatever car the driver is currently operating. Without additional protection, there is not usually coverage for other damages, such as the driver’s own injuries.
Reasons You May Need a Non-Owner Policy
Here are the main reasons people get non-owner auto insurance:
- You may need to carry a non-owner policy temporarily if you are between vehicles and you want to avoid a lapse in coverage.
- Sometimes the court orders individuals to carry insurance after certain kinds of convictions. If those individuals do not currently own a vehicle, they can meet their legal requirements by getting a non-owner insurance policy.
- Many people find it more practical to rent cars on a regular basis instead of maintaining and storing their own vehicles. If you do this, make sure your non-owner policy covers rentals.
- If you don’t own a car but borrow other cars regularly, you can get a non-owner policy that will kick as secondary coverage.
We Are Here To Help
If you would like to discuss non-owner auto insurance, or if you have questions about auto insurance in general, please feel free to call D & E Insurance Agency in Muskogee, OK today.