What is Personal Non Owned Auto Coverage?

Personal non-owned auto coverage (PNO) is an insurance policy that provides liability coverage for any bodily injury or property damage that may occur in an automobile accident for which the policyholder is legally liable. This type of coverage is typically purchased by individuals who do not own a car but may occasionally rent or borrow one from a friend or family member. In some cases, people who do not own a car but are regularly driving someone else's vehicle may also benefit from this type of coverage.

Personal non-owned auto coverage extends liability coverage to any car the policyholder may be operating, as long as they have been given permission by the car's owner. This type of coverage is not valid if the policyholder is operating a vehicle illegally, such as if they are driving under the influence of alcohol or drugs. Similarly, the coverage will not extend to a car in which the policyholder is the registered owner, as this would be covered under their regular auto insurance policy.

What Does Personal Non Owned Auto Coverage Include?

Personal non-owned auto coverage typically includes liability coverage for bodily injury and property damage, as well as medical payments coverage for medical expenses resulting from an accident. This type of coverage also provides coverage for legal defense costs, in the event that the policyholder is sued by another driver involved in the accident. PNO coverage may also provide coverage for lost wages, in the event that the policyholder is unable to work due to the accident.

What Does Personal Non Owned Auto Coverage Exclude?

Personal non-owned auto coverage does not include coverage for physical damage to the vehicle itself, or for any theft or vandalism related to the vehicle. This type of coverage also does not provide coverage for any personal property that may be damaged in an accident. Additionally, this type of coverage typically does not include coverage for any damage caused by an uninsured motorist.

Who Should Consider Personal Non Owned Auto Coverage?

Personal non-owned auto coverage may be beneficial for anyone who regularly drives someone else's car, such as a friend or family member. This type of coverage may also be beneficial for people who regularly rent or borrow cars, such as people who travel frequently for business or pleasure. Additionally, this type of coverage may be beneficial for people who may occasionally need to borrow a car, such as people who have recently sold their personal vehicle and are in the process of purchasing a new one.

Where Can You Find Personal Non Owned Auto Coverage?

Personal non-owned auto coverage can typically be purchased from most major insurance companies. This type of coverage is typically relatively inexpensive, and may be purchased as an add-on to an existing auto insurance policy. Additionally, this type of coverage may be purchased from some rental car companies, although the coverage limits may be significantly lower than those offered by traditional insurance companies.