We’re going to take a wild guess here: If you’re reading this article, chances are it’s because you think you may need a named non-owner auto insurance policy.

Just because you don’t own a car, doesn’t mean you aren’t able to cause a car accident. If you drive a car at all, you need car insurance … named non-owner car insurance that is.

If you don’t own a car, but sometimes rent or borrow vehicles, then you may need a named non-owner auto policy. But you probably already know that. That’s why you’re here, right?

When a young driver first gets their driver's license, it can give them a new found sense of freedom and independence. But when it comes to insurance coverage, how independent should they be from their parents or guardians?

According to the Massachusetts Department of Transportation, the most common type of car accident drivers face are rear-end collisions, accounting for roughly 36% of all car accidents in the state. The leading cause of rear-end collisions? Distracted drivers.

There is a lot to worry about when involved in a car accident. Potential vehicle damage, injuries, wondering how you’re going to get around until your vehicle is fixed - it’s a lot for anyone to digest. On top of all of that, you also have to worry about the accident affecting the price of your auto insurance. Unfortunately, drivers who are at fault for an accident or receive a ticket can expect a surcharge to be applied to their auto policy.