Non Owners Insurance

A personal Texas Non Owners Insurance policy is Designed for Drivers who do not own a Vehicle.

Frequently asked questions

What is a Non Owners Policy?

We can in most cases have your Policy ready and available as a same day service when you effect coverage.

You have many of the same options available with Auto Liability coverage the same as if you owned a vehicle.

1. State Required Liability of 25/50/75.

2. Personal Injury Protection ( PIP ).

3. Uninsured Motorists Coverage.

4. Medical Benefits

Non Owners Insurance in Texas does not cover owned but un-registered vehicles.

Texas Non Owners Insurance Policies are designed for licensed drivers who do not regularly drive or operate a vehicle and do not have regular access to a vehicle. These coverage forms are designed to provide an additional level of security for Drivers who do not own a car. One may not always know if the loaned vehicle has appropriate coverage. Many a well intentioned driver have found out only after receiving a citation that the vehicle they were operating was uninsured. The policy can also provide additional limits if one prefers a higher level of protection.

This type of policy is generally limited in it's scope of coverage and provides no comprehensive or collision coverage for damage to the vehicle being operated nor will it provide coverage for vehicles owned by family members and household residents due to the access restriction. This personal lines coverage will also not extend to the use or rental cars, company vehicles nor the operation of commercial or other employer provided business vehicles nor any vehicle for hire or involved in a delivery business and  is considered secondary or excess coverage to any policy provided by the vehicles owner.

Texas Car / Auto

Regional Services

Austin

Houston

San Antonio

El Paso

Amarillo

Waco

Dallas

Denton

Lubbock

Fort Worth

Midland

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