Coverage

• Non-owner auto insurance provides policyholders only with the coverage required to meet the state's requirements. In many cases, this consists of just bodily injury and property damages coverage, but can include uninsured and underinsured motorist coverage, personal injury protection, medical payment coverage, tort coverage, property protection and residual liability coverage, depending on the state's mandates. The non-owner auto policy does not provide optional coverage that protect the vehicle that you are driving, such as comprehensive, collision and roadside assistance coverage.
  
  

Availability

• Auto insurance carriers are not required to provide non-owners policy products. As a result, you may have to do some investigating to find a carrier that meets your needs. In many cases, insurance carriers do not advertise this product availability, so you may want to speak with the carrier's agent or representative for detailed information.
  
  

The Pay Out

• Depending on the situation, the non-owners policy can be a primary or secondary policy. If you are involved in an accident while driving another person's vehicle, the vehicle owner's policy will be considered primary. In this case, the non-owner's policy will only pay out for damages after the primary policy's coverage limits have been exhausted. If you rent a vehicle, the non-owner's policy will be the primary policy, even if you have selected the optional rental coverage.
  
  

Rental

• If you rent a vehicle, the rental agency will provide you with an option to purchase their insurance coverage. In many cases, the coverage is presented in two parts: liability and physical damages. The liability portion insures you against any injuries or damages that you cause to another person during an accident. The physical damage coverage protects the vehicle from any damages that result from fire, theft, acts of nature, acts of animals, or as a result of colliding with another vehicle or object. You have the option of purchasing this coverage, even if you have a non-owner's policy in place.