Drivers Insurance Without A Car: Everything You Need to Know

Introduction

Do you own a car but you don’t drive it very often? Are you a student who only needs a car occasionally to get around? Are you a businessperson who drives a rental car when traveling? If so, you may be considering drivers insurance without a car. But what exactly is it? How does it work? In this article, we’ll explore the ins and outs of drivers insurance without a car.

What is Drivers Insurance Without A Car?

Drivers insurance without a car is a type of auto insurance designed for individuals who don’t own a car but do occasionally drive one. This type of policy is sometimes referred to as non-owner car insurance. It provides basic liability coverage while the insured is driving a borrowed or rented car. Non-owner car insurance can also provide liability coverage for a driver who is involved in an accident while operating an uninsured vehicle.

Who Needs Drivers Insurance Without A Car?

Drivers insurance without a car is suitable for a variety of situations. It’s particularly beneficial for individuals who don’t own a car but occasionally drive one, such as students or business travelers. It’s also beneficial for individuals who have had their license suspended but need to drive a rental car. Additionally, drivers insurance without a car is beneficial for individuals who are required to carry a non-owner policy in order to maintain their license.

What Does Drivers Insurance Without A Car Cover?

Drivers insurance without a car covers basic liability insurance. This type of policy typically provides liability coverage for bodily injury and property damage up to the limits of the policy. It also provides coverage for legal defense fees. However, drivers insurance without a car usually does not provide coverage for medical expenses, collision, comprehensive, or rental car reimbursement.

How Much Does Drivers Insurance Without A Car Cost?

The cost of drivers insurance without a car will vary depending on the insurer and the coverage limits. Generally, drivers insurance without a car is cheaper than a standard auto policy because it covers only liability. Additionally, individuals who have had their license suspended or revoked may pay higher premiums. It’s important to shop around to get the best rates.

Conclusion

Drivers insurance without a car is a type of auto insurance designed for individuals who don’t own a car but do occasionally drive one. It provides basic liability coverage while the insured is driving a borrowed or rented car. Drivers insurance without a car is suitable for a variety of situations, such as students or business travelers, and the cost of the policy will vary depending on the insurer and the coverage limits. With the right policy, drivers insurance without a car can provide the coverage you need while you’re on the road.