You probably want to get fancy with everything you do, starting from the home you want to live into the car you want to drive and even the insurance cover you want to pick. That’s not bad. Sometimes, you may want to borrow your friend’s car, then the worst happens. You get involved in an accident. But is there any cover that will protect you?
The little-known coverage option
Non-owner car insurance is not commonly known as other policies. Therefore, it is no surprise that many car owners don’t know it’s also an option. One thing you need to remember though is that coverage may vary. It just depends on how you want to use it.
NerdWallet reports that FR44 non-owner insurance protects those involved in an accident and considered at fault. in a nutshell, non-owner liability cover protect drivers that are driving cars that don’t belong to them.
The best of all is that this type of coverage (Non-owner liability coverage) is meant for anyone interested in it. Below are some insights that’ll help you in deciding whether or not non-owner insurance cover will be your perfect match.
Do you need non-owner coverage?
This is a common question that’s normally asked by several people who are in a dilemma whether or not to go for a non-owner insurance cover. But today, you got the answer and for free. If you are driving a car that’s not yours, you probably aren’t covered by the insurance the owner of the car subscribed to. So, yes, you need an FR44 non-owner insurance cover to protect you when you are driving another person’s car.
In case DUI conviction, you need to have a non-owner insurance, NerdWallet clarified. This insurance cover can help you when you need to file FR-44 or SR-22.
If you rent cars regularly you are likely to incur extra costs. So, the best option will be to have non-owner insurance cover that will cover you when you have been found at fault. Sadly, it may not cover the damaged car, but it’s still worthing having. In a nutshell, if you want to cut on costs, then going for the non-owner insurance will help you with that.
Another advantage that makes drivers get obsessed with non-owner car insurance is that it will offer an additional coverage option if you are using car-sharing services such as Zipcar or maybe any other service like that. It will cover you in case of an accident case when sued, but it will not typically cover you for any injuries that you’ll suffer. That’s very important to keep in mind.
Is non-owner coverage more affordable?
Well, probably you have decided to go for the non-owner insurance cover, but you still feel you need to know whether or not you’ll be able to afford it. Well, the truth is that it’s affordable and you will not encounter any deductibles. The price will only depend on which type of coverage you want.
Right now, you must be thinking of going for the non-owner insurance cover, and yes, you should take that bold step because you will save a lot.