Nonowner Car Insurance in Kansas City, Missouri and Kansas City, Kansas
Car insurance is typically associated with those who own their vehicle; however, this isn’t always the case. If you don’t have a vehicle and drive rental cars, use car-sharing services, or use borrowed cars, you‘ll want to consider nonowner car insurance.
What Is Nonowner Car Insurance?
Nonowner car insurance provides liability coverage to people who don’t own a car. Like standard liability insurance, nonowner car insurance covers car damage and injuries to others if you are at fault. The difference in this coverage is that it won’t cover your injuries or damage to the vehicle you are driving.
What Does Nonowner Car Insurance Cover?
If you have a valid driver’s license and do not own a vehicle, you may be eligible for nonowner car insurance.
A typical nonowner policy includes bodily injury liability and property damage liability. This covers:
Since the policy is not attached to a specific vehicle, nonowner policy will not include comprehensive, collision, rental reimbursement or towing.
Do I Need Nonowner Car Insurance?
While you are not legally required to have nonowner car insurance, if you fall under any of the following, you may want to consider coverage:
Injuries to others in accidents you cause
Property damage, excluding any damage to the vehicle you’re driving
Accidents caused by uninsured or underinsured motorists
You do not need nonowner car insurance if:
You borrow other people’s cars.
You sold your vehicle, and it won’t be driven for an extended period.
You had an SR-22 or FR-44 due to a DUI or serious traffic violation.
It’s important to note that this policy may not be suitable for you if you share a car with someone in your home. Instead, you would be required to be listed on the car’s primary policy.
Call Auto Insurance Discounters Today!
Call us today at 866-288-6545 for a quote if you are considering nonowner car insurance. At Auto Insurance Discounters, we prioritize your insurance needs.
You share a vehicle with someone you reside with.
You, on occasion, borrow a car.
You use a company car for business.