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What is Non Owners Auto Insurance?
This is a limited lines Auto Insurance policy in Texas and does not cover owned but un-registered vehicles. The Policy is designed for licensed drivers who do not own or regularly drive 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 liability insurance policy is generally limited in it's scope of coverage and provides no comprehensive or collision insurance coverage for damage to the vehicle being operated nor will it provide insurance coverage for vehicles owned by family members and household residents due to the access restrictions. This personal lines insurance coverage will also not extend to the use of 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. This type of drivers auto insurance policy is considered secondary or excess insurance coverage to any policy provided by the vehicle owner.
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What does a Non Owners Insurance Policy cover?
This type of Auto Insurance typically provides only the minimum coverage required by your state law. This coverage is for drivers who need auto liability insurance without a car, drivers who need insurance with no car. Liability insurance along with a few other options Such as the following. Liability coverage for Injury or damages to others PIP or Personal Injury protection. Uninsured and underinsured motorists Bodily Injury
What is Secondary Coverage?
Answer: Secondary Coverage is insurance that will provide you protection only after the primary First Place Insurance Policy coverage limits have been exhausted. The vehicles primary policy is always first position. Your Secondary non owner car insurance Policy coverage will only invoke after The vehicles primary policy has paid out the maximum available limits
What Non Owners Auto Insurance does not cover?
It is important that the Driver understand the restrictions of this type of coverage. This type of Policy, often referred to as a "Drivers Policy" or an "Operators Policy". Does not provide coverage for the following.
1. No Comprehensive or Collision insurance for the another persons Vehicle.
2. No Coverage when operating a Rented vehicle of any type.
3. No coverage for any commercial or business use vehicle whether owned or not.
4. No coverage when driving any vehicle owned by the insured or any vehicle owned by any other resident at the address of the insured.
5. No coverage for any vehicle to which the insured has regular access whether owned or not.
6. No coverage for any vehicle with insured has a prior expectation of operation, owned or not.
7. No insurance coverage is extended to any other drivers.
Non owners insurance is for "unplanned, unexpected" usage only. When operating another's vehicle that you have an expectation of usage. The vehicle owner's own insurance will have to provide your auto insurance coverage under permissive use rules of the vehicle's primary insurance policy.
When Renting a vehicle you will still need to pick up the additional auto liability insurance coverage offered by the rental car company.
Contact us for more information about "Texas Non Owners Auto Insurance without a ( no ) car".