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

Frequently asked question

What is a Non Owners Insurance Policy?

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 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.

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 or 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 vehicles owner.

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