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Non Owner 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. Non Owners forms are
designed to provide a level of security when operating
a non owned vehicle. One may not always know if the
owner of the 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
coverage 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 non owned vehicle
being operated. The coverage also will generally not
extend to the operation of 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 operation of commercial or other employer
provided business vehicles nor any vehicle for hire.
Personal Non Owners is considered secondary or excess
coverage to an insurance policy provided by the vehicles
owner.
Austin Non Owners Insurance
coverage forms are designed to provide an additional
level of security in today's busy world when operating
a non owned vehicle.
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