San Antonio Non Owners Insurance

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A personal Texas Non owners insurance policy is Designed for Drivers who do not own a Vehicle, it does not cover owned but un-registered vehicles.

The Policies are designed for licensed drivers who do nor 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 loaned 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 limits 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 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. This Personal coverage is considered secondary or excess coverage to any policy provided by the vehicles owner.

Texas Non Owners coverage forms are designed to provide an additional level of security in today's busy world when operating a motor vehicle.

What does a Non Owners Insurance Policy cover?

Non Owners Insurance 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.

What is Secondary Coverage?

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 policy is always first position. Your Secondary non owner car insurance coverage will only invoke after The vehicle owners policy has paid out the maximum available limits.

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.

Contact us today for more information about San Antonio Non Owners Insurance.