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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.
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