Texas Non Owners Insurance

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Non Owners Insurance in Houston Texas

Houston Non Owners Insurance

Drivers Auto Insurance



Drivers Liability Coverage

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Don't own a Car?

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Non Owners Car Insurance in Houston Texas

A personal Houston Texas Insurance policy Designed for Drivers who do not own a Vehicle.


Frequently asked question

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.

We can in most cases have your Policy ready and available as a same day service when you effect coverage.

You have many of the same options available with Auto Liability coverage the same as if you owned a vehicle.

1. State Required Liability.

2. Personal Injury Protection ( PIP ).

3. Uninsured Motorists Coverage.

4. Medical Benefits

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.

Texas Car / Auto

Regional Services








Corpus Christi

College Station TX













What does it cover?

This type of Drivers insurance policy typically provides only the minimum coverage required by your state law. 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.


Fort Hood

Fort Worth




Grand Prairie




Port Arthur


Round Rock

San Antonio

Waco TX

Wichita Falls


What is Secondary Coverage?

Privacy Policy

Secondary Coverage is insurance that will provide you protection only after the primary First Place Insurance Policy coverage limits have been exhausted. The vehicle owners insurance policy is always first position. Your Secondary non-owner car insurance Policy coverage will only invoke after The vehicle owners policy has paid out the maximum available limits.


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 provide coverage for the following.

1. No Comprehensive or Collision insurance for 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 owned.

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.

Contact us for more information about "Non Owners Auto Insurance in Houston Texas"

Insurance in Houston Texas