What Does Non-Owned Auto Insurance Cover?

  1. 16470 POINTS
    David Osgood
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    A non-owned auto insurance policy is typically a liability only policy. This means that if you are deemed at fault in an accident and it is a covered loss your insurance would typically be responsible to pay the damages caused up to the policy limits. Please read your policy completely to understand what coverage is provided and what exclusions there may be or contact your local agent to have them go over the policy with you.
    Answered on May 23, 2013
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  2. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    Talk to your Insurance Professional about the availablity of this type of policy and it's limitations. Typically, a named non-owner auto policy will provide stated liability coverage, which is protection for you in the event you are responsible for causing an accident that results in property damage or bodily injury. In CT, it will also include stated uninsured motorist protection for your benefit in the event that you are injured as a result of an accident caused by an uninsured person. Finally, it may also include stated primary medical benefits for you again if you are injured as a result of an accident that is caused by either you or another party. The policy will NOT provide any coverage for physical damage (Comprehensive or Collision) for the vehicle that you are driving.
    Answered on August 5, 2015
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