What does it 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". Non-owners car insurance policies do not
coverage for the following.
1. No Comprehensive or Collision
the non-owned 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 non owned.
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 non owned.
6. No coverage for any vehicle
with insured has a prior expectation of operation, owned or non
7 No insurance
coverage is extended to any other drivers.
Non owners insurance is for
"unplanned, unexpected" usage only. When
operating a non owned vehicle that you have an expectation of
usage. The vehicle owners own insurance will have to provide
your auto insurance coverage under permissive use rules of the
vehicle owners insurance policy.
When Renting a vehicle in Houston you will
still need to pick up the additional auto liability insurance
coverage offered by the rental car company.