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A personal Texas Non Owners
Insurance policy is Designed for Drivers who do not own a Vehicle.
Texas Non Owners
Insurance does not cover owned but un-registered vehicles.
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. The
policy coverage forms are designed to provide a level of security when
operating a non owned vehicle. 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
coverage if one prefers a higher level of protection.
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. and
is considered secondary or excess coverage to an insurance policy
provided by the vehicles owner.
These limited coverage
forms are designed to provide an additional level of security in today's
busy world when operating a non owned vehicle. |
