non owner SR22 auto insurance

  Auto Motorcycle Home Life Health Auto Loan

Reader’s Question:

I just want to know if non owners policy is available in all the states. If I only have the non owners policy and got involved in an accident, what will be the primary for the third party damage or liability?

Princess

Thank you for asking Princess.

The Texas Department of Insurance’s definition of a non-owner policy is an insurance coverage that offers liability, uninsured motorist, and medical payments to a named insured who does not own a motor vehicle.

Non-owner policies are not available in all states. If you want to find out if your state allows for it contact an insurance providers to see if it is quoted in your state or your state’s insurance regulator.

According to The TX Insurance Commissioner’s information sheet on the pros and cons of non-owners insurance, the named non-owner coverage is always in excess of the liability coverage bought by the car owner. This means if you got involved in an accident, the car owner’s liability insurance pays first, up to the limits of his or her policy. The non-owner coverage comes into play only if the cost of injuries and/or property damage goes over the limits of the car owner’s liability policy.

This may differ in other States but in general the owner of the vehicle’s insurance is primary and the driver’s insurance, non-owners or other type of policy, is secondary or excess regarding third party damage or liability.

Goodluck!

MariCAR