About Non Owners Auto Coverage

A personal Texas Non Owners Insurance policy is Designed for Drivers who do not own a Vehicle.

Frequently asked questions

What is Non Owners Auto Insurance?

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

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

1. State Required Liability Insurance.

2. Personal Injury Protection ( PIP ).

3. Uninsured Motorists Coverage.

4. Medical Benefits

Non Owners Auto Insurance does not cover owned but non-registered vehicles.

Texas Non Owner Policies are designed for licensed drivers who do not regularly drive or operate a vehicle and do not have regular access to a vehicle. These 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 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 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 nor for 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 Auto Insurance is considered secondary or excess coverage to an insurance policy provided by the vehicles owner.

Texas Car / Auto Non Owners

Regional Services

Austin

Houston

San Antonio

El Paso

Amarillo

Waco

Dallas

Denton

Lubbock

Fort Worth

Midland

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