Be protected no matter what car you’re driving with non-owner car insurance

If you don’t own a vehicle, non-owner auto insurance isn’t legally required. However, if you drive at all, you need one.

Whether you rent cars regularly, or borrow a friend’s vehicle once in a while, a non-owner policy will ensure you won’t be stuck with a costly bill if you were to get in an accident.

If you own a car, you do not need a non-owner policy because your car insurance policy will cover personal injury and liability coverage (but you will probably also need additional coverages)

Also, If you regularly use the same person’s car, you should probably just be listed on that person’s car insurance rather than having a non-owner policy.

Only you can decide how much non-owner auto insurance you want based on your risks and financial situation, but at a minimum, we recommend $100,000 bodily injury per person, $300,000 bodily injury per accident and $100,000 property damage.

The cost of non-owner insurance varies on factors on driving record, credit, risks, age, location, and the amount of coverage you want, but the average cost for a non-owner policy in Massachusetts costs around $700 per year.

If you get into an accident in someone else’s car, that person’s car insurance will automatically cover injuries and property damage you caused up to the limits on their policy. 

However, a non-owner policy will cover any costs that exceed their limits, so without it, you could be stuck with a large out-of-pocket bill.

If you have your own car insurance policy, you do not need a non-owner policy. Car insurance policies cover everything non-owner auto insurance covers and more.

Non-owner car insurance covers injuries and property damage that you cause to others, but it does not cover damage to the borrowed car or your medical expenses like a normal car insurance policy would.

While your health insurance may cover much of your medical expenses, you’ll also want to make sure you have coverage for damage to the vehicle you’re driving.

Make sure the owner of the car has physical damage included on their vehicle’s car insurance policy.