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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. Non Owners
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 policy 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.
Personal Non Owners is considered secondary or
excess coverage to an insurance policy provided by
the vehicles owner.
Irving 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.
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