Car insurance for non owners

Non-owner car insurance provides liability coverage for drivers who need car insurance without a car. It pays for injuries and damages you cause in an accident when you're driving a car that someone else owns. Non-owners car insurance typically comes into play as a secondary coverage if the car owner's insurance falls short in paying for

The liability insurance on your non-owner policy likely covers injuries you cause to other people and damage you do to their property while driving a rental car. But because non-owner policies don’t include comprehensive or collision coverage, they won’t pay for damage you might do to the rental car itself.

You don't technically need non owner insurance if you're driving someone else's car with their permission. If you get into an accident with that car, its owner’s insurance will typically be considered to be the primary coverage, and so cover the damages associated with the accident. Just keep in mind that: