Non Owner’s Auto Insurance Clarksville, Tennessee TN

Reader’s Question:

Is there some type of auto insurance in Clarksville, Tennessee where the driver is the only one insured, but not the vehicle? If so, then what is it called?

Bridget

Clarksville, TN

If you do not own a car there is a car insurance policy that a driver can obtain to drive other people’s cars. This insurance policy is called a non-owner’s policy. Normally it is written when an individual needs coverage for his or her personal use of a car not owned by him or a family member.

If you own a car then the vehicle would need to be on the insurance policy since the type of vehicle you are driving is part of the rating process of an insurance carrier. The car itself, including what type of automobile it is, its safety features, etc can make a difference in your auto insurance.

Since insurance carrier’s guidelines and underwriting criteria can vary, you will need to check what the qualifications are for getting a non-owners policy from the insurance company in Clarksville, TN that offers you this type of insurance. The criteria usually would at least include not owning a car and having a valid driver’s license.

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