A non-owner insurance policy can provide liability coverage for bodily injury and property damage if you don't own a car but drive regularly. This policy will protect you in the event that you are held liable for damages or injuries in an accident. Non-owner car insurance is designed to protect you from liability if you're in an accident while driving a car that doesn't belong to you. It doesn't cover damage to the car or your own injuries. Non-owner insurance policies are usually cheaper than regular car insurance policies.

You can purchase a non-owner car insurance policy even if you don't own a vehicle, but plan on driving another person's car. A non-owner car insurance policy provides liability coverage if you cause an accident. For many drivers, non-owner insurance can be a helpful way to get the coverage they need. If the car owner's liability limits are too low to cover the cost of an accident, or if the driver is denied coverage under the owner's policy, non-owner insurance can help fill in the gaps. A non-owner insurance policy may also be written to include medical payments, personal injury protection coverage, and/or uninsured or underinsured motorist insurance coverage.

There are a few situations where a non-owner auto insurance policy may be beneficial:

• People who borrow cars frequently: If you don't have your own car but often borrow one from someone else, you may want to purchase a non-owner insurance policy.

• People who use car-sharing services: A non-owner policy may be a good idea if you often use car-sharing or short-term rental services. This type of policy provides liability coverage that goes beyond what the company itself offers.

• People who rent cars often: An insurance policy that covers non-owners may be cheaper in the long run than renting a vehicle and purchasing liability coverage from the rental company each time. This is because liability coverage is required if you do not have an insurance policy when you rent a car. A non-owner policy won't cover physical damage to the rental car, but you may be able to purchase a collision damage waiver from the rental company. This would provide additional liability coverage.

Non-owner car insurance rates usually run lower than similar coverage on an owned vehicle, but this can vary based on your driving record, location, limits, and other considerations. Contact LW Short Insurance Agency and we will help you choose the right coverage level for your needs.