Living in Indiana, it is important to have car insurance to protect yourself and your vehicle. However, what if you don’t own a car? Do you still need car insurance? The answer is yes, and that is where non-owner car insurance comes in. In this article, we will discuss what non-owner car insurance is, who needs it, and how to get it in Indiana.
What is Non-Owner Car Insurance?
Non-owner car insurance is a policy that provides liability coverage for individuals who do not own a car but still drive on occasion. This type of insurance is designed to protect the driver in case they cause an accident while driving a vehicle that they do not own. It does not provide coverage for any vehicle that the driver owns or regularly uses.
Who Needs Non-Owner Car Insurance?
Non-owner car insurance is typically required for individuals who:
- Rent cars frequently
- Borrow cars from friends or family members
- Use car-sharing services like Zipcar
- Drive company cars on occasion
If you fall into any of these categories and do not have your own car insurance policy, then you should consider getting non-owner car insurance.
What Does Non-Owner Car Insurance Cover?
Non-owner car insurance provides liability coverage for bodily injury and property damage that you may cause to others while driving a vehicle that you do not own. This coverage typically includes:
- Bodily injury liability: covers medical expenses, lost wages, and pain and suffering of the other driver and passengers
- Property damage liability: covers damage to the other driver’s vehicle and any other property that may have been damaged in the accident
It is important to note that non-owner car insurance does not provide coverage for any damage to the vehicle that you are driving or any injuries that you may sustain in an accident. If you want coverage for these things, you will need to purchase additional insurance.
How Much Does Non-Owner Car Insurance Cost?
The cost of non-owner car insurance varies depending on several factors, including:
- Your driving record
- Your age and gender
- The amount of coverage you need
- The insurance company you choose
Generally, non-owner car insurance is less expensive than a traditional car insurance policy because it provides less coverage. However, it is still important to shop around and compare prices from different insurance companies to ensure that you are getting the best deal.
How to Get Non-Owner Car Insurance in Indiana
If you need non-owner car insurance in Indiana, there are several insurance companies that offer this type of policy. Some of the most popular options include:
- State Farm
- Geico
- Progressive
- Nationwide
- Allstate
To get a non-owner car insurance policy, you will need to provide some basic information, including your name, address, and driver’s license number. You may also be asked to provide information about your driving history and any previous insurance coverage you have had.
Conclusion
If you do not own a car but still drive on occasion, non-owner car insurance is an important type of coverage to consider. It provides liability coverage for accidents that you may cause while driving a vehicle that you do not own. To get non-owner car insurance in Indiana, you can contact any of the major insurance companies that offer this type of policy.
