Non owner auto insurance provides liability coverage to those who don't own cars. The policy may also include uninsured motorist coverage, personal injury protection, and medical coverage. High risk drivers who have had their driver's license suspended may need this type of coverage if they don't own a car. The DMV will not reinstate a driver's license without proof of minimum liability insurance. Other drivers who need this type of coverage are those who rent cars frequently and those who borrow cars from friends or family

When a car is sold, it is wise to maintain some liability coverage. Most insurance companies look for continuous coverage when rating auto insurance. If you drop coverage for an extended period of time, it may be more expensive to get coverage when you buy your next car. In addition, situations occur unexpectedly where you might drive a borrowed car or a rental car. Since a non owner policy is significantly less expensive than full owner coverage, it makes sense to choose this protection.

When you rent a car, insurance is required. The liability insurance sold by rental car companies is very expensive. A driver with non owner insurance will meet the requirements of the rental car companies and save money. If you have an accident in a borrowed car, non owner coverage is extra protection. The vehicle owner's liability insurance pays first. If damages go over the limits of the vehicle owner's policy, your non owner coverage will be utilized.

At Focus Financial Services, we have access to insurance providers who offer non owner insurance. We specialize in helping high risk drivers find affordable choices to fulfill minimum liability requirements and get their drivers' licenses reinstated. Shopping online is the most convenient method of obtaining fast quotes and rate comparisons to assure the most appropriate coverage available