Can I Buy Non Owner Liability Insurance When I dont Own a car?

Non-owners policies may have restrictions, such as you cannot own a car or have one available to you or your household that you could place auto insurance on, but these will differ from one insurance company to the next. In general a non-owners auto insurance policy offers coverage for people that dont own vehicles but may have a SR22 filing on their driving record, so in order to keep your drivers license from getting suspended this filing must be in place. If you, the insured driver, borrows a car from a friend and then were to get into an accident, your friend's insurance would be the first to cover the losses. But if the accident was your fault and the damage to the other driver's property exceeded the liability limits on your friend's policy, your non-owners insurance policy would cover the excess, up to policy limits. If you do not have a car now and plan to get one in the future maintaining a non-owner auto insurance policy will help give you prior insurance history and should ...  more