As the name would indicate, the non car owner insurance policies are meant for people who are driving cars that they do not own. These policies provide you with property damage liability and bodily injury coverage. Let us assume that you have rented a car from where you bought rental car insurance.

These policies do have liability coverage but the limits of such coverage are not as high as you would expect them to be. So, if you get involved in a bad accident while you are driving a rented car and the damage is greater than what your rental policy covers you could land in a soup.  

You should remember that even when you own a car you can have the policies that we are talking about over here. However, such a policy would not cover the car or the physical damage that could be inflicted on it because of some reason or the other. These non owner car insurance plans provide only liability coverage. So, this is something that you must know before you decide that car insurance for non car owners is a good enough option for you. This means that you would get money to cover the damages that you may have caused to others and their property in such an accident.

How does this Policy Fits You?

There are certain scenarios where these policies could be a good fit for you. Have you rented a car with insufficient liability coverage? In any case, the rental policies have limited coverage. So be careful to read the terms and conditions of those policies before you sign on the dotted line. In that case, auto insurance for non owners could be what the doctor ordered for you. Do you do not own a car? Do you rent them rather frequently for personal travel or work? Then you should take these policies.

There are also certain situations where such policies would not be of much use to you. Do you own a car with both liability and comprehensive insurance on the same? Does your credit card offer rental car insurance? In both these cases, this insurance policy will be useful to you!