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Can someone get insurance if they don't have a car?


Yes, if you do not have a car to insure you can still get a type of auto insurance known as a non-owner's policy or operator policy. This type of policy is normally written when a person needs coverage for his or her personal operation of a vehicle not owned by him or a family member.

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

Non-owners insurance is coverage to give a motorist liability protection for when they are at fault in an accident but do not own a vehicle. Non owners policies can typically include liability, medical payments, and uninsured/underinsured motorist coverages.

Non-owners policies generally do not include comprehensive, collision, towing reimbursement, or rental reimbursement coverage. A non-owners policy of a driver would normally be secondary to the insurance put on the vehicle by the owner. The car owner's insurance policy would be primary. So a non-owners policy's liability coverages would be used if the primary liability limits have been exceeded.

If you do not own a car nor is there a vehicle owned by anyone in your household and want to get a non-owners policy, you first will need to find an auto insurance carrier that offers this type of policy. Then you will need to meet the underwriting criteria of that insurance provider.

Since insurance companies' guidelines and underwriting criteria can differ, you will need to find out what the qualifications are for obtaining a non-owners policy from the insurer that offers you this type of coverage. Usually the criteria would at least include not owning a vehicle and having a valid driver's license.

To see if a non-owners policy is available through our car insurance company affiliates in your area, click here quick quote.


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