If you live in Missouri and don’t own a car, you might think that car insurance is not necessary for you. However, if you frequently rent or borrow cars, you should consider getting non owner car insurance. In this article, we will discuss what non owner car insurance is, why you need it, and how to get it in Missouri.
What is Non Owner Car Insurance?
Non owner car insurance is a type of car insurance that covers you when you are driving a car that you don’t own. This insurance policy is designed for people who frequently rent or borrow cars, but don’t have their own car insurance. Non owner car insurance provides liability coverage for damages and injuries that you may cause while driving someone else’s car.
It is important to note that non owner car insurance does not cover damages to the car you are driving. The owner of the car is responsible for insuring their vehicle. Non owner car insurance only covers damages and injuries that you may cause to other people or their property while driving their car.
Why You Need Non Owner Car Insurance in Missouri?
If you frequently rent or borrow cars in Missouri, non owner car insurance is highly recommended. Missouri law requires all drivers to carry liability insurance. If you cause an accident while driving without insurance, you can be held financially responsible for damages and injuries you cause. Non owner car insurance provides liability coverage that can help protect you from financial loss if you cause an accident while driving someone else’s car.
In addition, non owner car insurance can help protect your personal assets. If you cause an accident and the damages and injuries exceed the limits of the car owner’s insurance policy, you can be held personally responsible for the remaining costs. Non owner car insurance can provide additional liability coverage that can help protect your personal assets in case of an accident.
How to Get Non Owner Car Insurance in Missouri?
To get non owner car insurance in Missouri, you can contact any car insurance company that offers this type of policy. You can also use an online insurance comparison website to compare rates from multiple insurance companies. When you apply for non owner car insurance, you will need to provide your personal information, driving history, and payment information. The cost of non owner car insurance varies depending on the coverage limits and your driving history.
It is important to note that non owner car insurance is not the same as rental car insurance. Rental car insurance is a type of insurance that covers damages to the rental car you are driving. Non owner car insurance only covers liability for damages and injuries you may cause while driving someone else’s car. If you rent a car, you should also consider getting rental car insurance to ensure that you are fully covered.
Conclusion
If you frequently rent or borrow cars in Missouri, non owner car insurance is highly recommended. It can provide liability coverage that can help protect you from financial loss if you cause an accident while driving someone else’s car. To get non owner car insurance, you can contact any car insurance company that offers this type of policy or use an online insurance comparison website to compare rates. Remember that non owner car insurance is not the same as rental car insurance, and you should consider getting both to ensure that you are fully covered.
