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What Non Owners Auto Insurance
does 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". does not provide coverage for the following.
1. No Comprehensive or Collision
insurance for
the non-owned Vehicle.
2. No Coverage when operating a
Rented car nor auto or 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 you will
still need to pick up the additional auto liability insurance
coverage offered by the rental car company. | 
