Non-Owner Car Insurance in Natick, MA
Exploring Auto Insurance for Non Car Owners
From venturing out in a rental to borrowing a loved one's car, it's essential to cover your bases with the proper insurance policy. For non-vehicle owners in Natick, MA, Connell & Curley Insurance Agency Inc. is here to guide you. Discover non-owner car insurance, a proactive policy that safeguards your finances should the unexpected arise.
Premier Insurance Solutions in Natick, MA
With over 52 years of experience, Connell & Curley Insurance Agency is Natick, MA’s leading insurance provider. We empower our clients by providing them with clarity and guidance to secure the right insurance plans for their needs. With our reputation for unmatched customer service, look to us for auto insurance, home insurance, and beyond.
Understanding Non-Owners Car Insurance
Non-owner car insurance is a special branch of insurance that offers coverage for those who drive but do not own a car. Non car owners insurance can be used to save money on the rental insurance for those who frequently rent vehicles. It can also serve as reliable protection for those who borrow vehicles from friends or family.
Benefits of Non-Owners Car Insurance
Non-car owners insurance is an asset for those who borrow or rent vehicles. The benefits of this policy include:
- Liability coverage for injuries and property damage to others
- Convenient and consistent coverage when transitioning between vehicles
- Cost-saving protection should the unexpected strike
- Cost-effective and affordable
- Peace of mind
Non-Owners Insurance Coverage
Non-owner insurance covers injuries and property damage incurred by others if you get into an accident. This insurance is designed to be supplemental, accounting for areas the borrowed car owner’s insurance does not cover. The owner’s insurance covers the majority until it reaches the policy limit, and non-owner insurance covers the rest.
FAQs
We receive many questions about non-owners insurance coverage, so we want to answer a few of the most commonly asked questions to help you understand this option.
What Is Not Covered by Non-Owners Car Insurance?
t’s important to note that due to non-owners car insurance serving as a supplemental policy, it does not offer full coverage like regular car insurance does. Factors not covered by non-car owners insurance include:
- Damage to the borrowed vehicle
- Personal medical expenses
- Roadside assistance and/or towing
- Rental vehicles
Do I Need Non-Owners Insurance?
Although non-owners car insurance is not a legal obligation, it’s highly recommended for those who drive borrowed or rented vehicles. The risk of getting into an accident is high, with the average loss per auto claim is approximately $6,000. This policy is an investment in protection, combating costly damages should the unexpected arise.
How Do I Get Non-Owners Car Insurance?
If you are seeking non-owner car insurance, Connell & Curley Insurance Agency is here to streamline the process. Several factors are required to secure this type of coverage in Natick, MA, including a clean driving record, a valid MA driver's license, and a bundled policy, which may include homeowner's or renter’s insurance.
What Policy Limits Do I Need?
If you're considering non-owner car insurance, your policy limits should reflect your financial standing and risk factors. At Connell & Curley Insurance Agency, we recommend a minimum of:
- $100,000 in bodily injury coverage per person
- $100,000 in property damage coverage
- $300,000 bodily injury coverage per accident
What Happens if I Don’t Have Coverage & Get Into an Accident Driving Someone Else’s Car?
When you get into an accident while driving a borrowed vehicle, the owner’s insurance will kick in to cover injuries and property damage. However, owner’s insurance has policy limits that cap available coverage. Without non-owner car insurance, you will be liable for outstanding costs.
How Can I Get Physical Damage Covered Since It’s Not Included In Non-Owners Car Insurance?
Non-insurance coverage does not cover damage to the borrowed vehicle. As such, it’s important to verify that the vehicle's owner has their own insurance policy. This will safeguard you from physical damage costs should an accident occur.
Do I Need This Coverage if I Have My Own Car Insurance for My Car?
Non-owner car insurance is not necessary for those with their own car insurance policy. Your car insurance policy offers the same coverage as non-owner car insurance and far more. Non-owner car insurance is solely for those without their own policy.
Get the Best Non-Owner Car Insurance by Contacting Us
At Connell & Curley Insurance Inc., we want Natick, MA, drivers to feel confident and secure on the road. Whether you're driving your own vehicle, a rental, or a loved one's vehicle, look to our experts for premier auto insurance solutions that check all the boxes. Contact our team today to request a quote.