"Dallas Non Owners Auto Insurance"
What is a Non Owners Auto Insurance Policy about?
Non Owners Insurance does not cover owned but non-registered vehicles.
Non Owner Insurance Policies are designed for licensed drivers who do not regularly drive or operate a motor vehicle and do not have regular access to a vehicle. Non Owners coverage forms are designed to provide a level of security when operating a non owned vehicle. One may not always know if the owner of a borrowed vehicle has the appropriate coverage. Many a well intentioned driver have found out only after receiving a citation that the vehicle they were operating on loan was uninsured. The policy can also provide additional coverage if one prefers a higher level of protection beyond what may be provided under the owners policy.
This type of coverage 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 such as rental cars. Personal Non Owners Insurance is considered secondary or excess coverage to an insurance policy provided by a vehicles owner.
Dallas 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. |
