Do you live in a walkable city? Or do you rely on public transportation for its convenience? If you do, you might not own your own car. However, that doesn’t mean you shouldn’t have car insurance. There still might be times when you have to get behind the wheel, after all. Let’s take a look at some of the protection that non-owners auto insurance provides.
Non-owners liability insurance is an important type of coverage for those without cars. It protects the driver without covering a specific vehicle. Therefore, you’ll have coverage for the risks you need, without bearing the burden of coverage for items you don’t own. So, whether you decide to rent a vehicle or borrow a friend's wheels, you'll have a degree of coverage. 
Coverage Included On Non-owners Coverage
You might not own a car. You might not even drive every day. However, when you do decide to drive, you still pose risks to others on the road. You also face risks yourself.
With non-owners insurance, you can still protect your personal risks behind the wheel. Some of the coverage that might assist you includes:
- Personal Injury Liability Coverage: While driving, you might cause an accident. The wreck could injure someone else. If the accident was deemed your fault, the injured party might need to use this coverage to pay for their medical bills. You'll likely have a legal responsibility to assist them.
- Property Damage Liability Insurance: When you cause someone else damage, you might have to pay for their losses. With property damage coverage, that person might be able to pay for vehicle repair or other property losses.
Nevertheless, this coverage only extends to the harm you might cause others. What about the damage you might cause yourself? Some non-owners coverage contains:
- Medical Payments Coverage: If you sustain injuries in a wreck, this coverage might pay your medical bills. Keep in mind, if you have health insurance, it’s likely a good idea to use that policy as your primary insurance.
- Uninsured/Underinsured Protection: If the accident was not your fault, the other driver might have to pay for your damage. However, what if they don’t have appropriate liability insurance? That might leave you with residual costs. Uninsured/underinsured coverage might pay your damage costs if another driver’s liability coverage won’t pay.
Keep in mind, not all policies will contain these types of coverage. Therefore, talk to your Cloverleaf Insurance agent about what you can add to your policy.
Also, find out who has responsibility for damage to the vehicle itself. Generally, this responsibility falls on the party that owns the vehicle. Therefore, ask the vehicle owner if they have adequate collision and comprehensive insurance.