What is non-owner car insurance?
Non-owner car insurance (also called named non-owner) is a type of car insurance policy for people without a car. In other words, this insurance will cover you if you were to get into an accident while driving someone else’s car, whether it’s a friend’s or a rental.
Specifically, it covers injuries and property damage that you cause to others, but it does not cover damage to the borrowed car or your medical expenses like a normal car insurance policy would.
Non-owner auto insurance is a secondary coverage, used to cover the gaps that the borrowed car’s insurance policy won’t cover. In other words, if you cause an accident and the car owner’s car insurance reaches its limits, the non-owner policy will kick in to cover the rest.
In most cases, in order to get a MA non-owner policy, you will need a MA drivers license, a clean driving record, and a bundled policy (such as renters or homeowners.)
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