If a car accident is your fault, non-owner car insurance will cover any bodily and property damage costs to others. It is a good option for the people who drive rental cars. Keep reading this article to find out what is non-owners car insurance in detail.

Non-owner car insurance

Non-owner policy car insurance covers the cost of the bodily harm and any damage to the property of a third person if you are found guilty of the accident. You have to remember that it won't cover the cost of your injury or car damage. However, some companies offer insurance for your medical bills, injury, car damage, and uninsured drivers as additional coverage. This insurance benefits those who don't own their cars and often use someone else's for rent. It doesn't cost as much as the normal insurance, so it is a better option for those who drive rental cars. If you compare both, non-owner insurance costs around $585, and normal one $765 for a year.

Who should get the non-owner car insurance?

• It is for the drivers who rent cars from the others occasionally or even borrow them for some purpose. These people don't have cars and seldom travel through them, so purchasing regular car insurance seems like a costly endeavor. The sensible choice is to get this cheaper alternative that can cover the basics in case of an accident. If there is any mishap, and you are supposed to pay the medical and car bills for another person in an accident, this insurance will cover your cost and help you save money.
• If you rent a car from the rental agency and cause an accident, you will have to pay a hefty amount to cover the cost of it if you are not insured. You have to make a smart decision and get the insurance that best suits you. You should ask the agent about the liability cost when you go to purchase the car insurance, so you can cover the costs in case of an accident.
• If you borrowed your friend, family neighbor, or a friend's car, you will always worry about causing an accident and damaging their car. You should take proper precautions and get this insurance which will be useful if you are responsible for the accident.
• You should also remember that if you live with the person whose car you borrowed, the insurance will not cover you. You need to get added to the policy if you want to save up your money.
• If you are in violation of the traffic rules or got your driving license suspended due to reckless driving, you need to submit the documents of car insurance to get your license reinstated. Regular car insurances are expensive, but non-owner is a cheaper and better option in this case, especially if you don't own a car yourself.

You should check for car insurance instant online quote and find the best insurance option for you to save maximum money.