There is a type of insurance called a non-owners policy that one may purchase to cover themselves if they do not own a motor vehicle in which to place insurance on. Typically, persons purchase a non-owners policy to cover themselves for the items they may be liable for (hurting someone else or something else).

In some states you can purchase Medical Payments on a non-owners policy to cover your medical expenses. Otherwise you should purchase Uninsured and/or Underinsured Motorist Bodily Injury. A non-owners policy with the appropriate coverages will provide coverage for liability, medical payments, and uninsured motorist coverages for someone who does not own a vehicle and will be operating a vehicle owned by someone else.

So through a non-owners policy you could have medical coverage through medical payments. MedPay, as it is referred to, covers medical expenses to you when injured in an accident. There may also be coverage if as a pedestrian a vehicle injures you. Coverage is limited to the terms and conditions contained in the policy.

You mentioned about driving or riding in a non-insured vehicle. You would need to check with any insurance company that you purchased a non-owners policy through to see if your insurance coverage would be applicable in an uninsured vehicle since normally your non-owners policy would be secondary to any insurance that the car owner had on the vehicle, which would be primary.

If you, the insured driver, borrows a car from a friend and then were to get into an accident, your friend's insurance would be the first to cover the losses. But if the accident was your fault and the damage to the other driver's property exceeded the liability limits on your friend's policy, your non-owners insurance policy would cover the excess, up to policy limits.

So you would need to see if any non-owners policy you purchased would cover you in a vehicle that was uninsured and thus did not have primary insurance on it. Also keep in mind if a vehicle is not properly insured then in many states the registration would be suspended and thus you could be ticketed for driving it.

You can get an auto insurance quote here from us to see if it will cover your needs.