Coverage & Claims

Will a non-owners policy cover medical for the person I hit after an accident?

A non-owner's policy will have a signed endorsement on it stating the insurer will not cover any claim that results from a vehicle the named insured owns or is registered to. Many will also state if it is part of the household, they will not cover it.

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Eligibility

Can I get a non-owners insurance policy so that I can get a restricted license?

It's hard to give a direct answer to your question, as restricted licenses are considered on a case-by-case basis. Some insurance companies will provide such insurance, but they too would have to know all of the details surrounding your situation.

Eligibility

What are my options if I need SR-22 insurance in Colorado but don't own a car?

I wish there was an easy answer, but I would suggest discussing it with an agent. It is true if you have access to a vehicle most companies will be hesitant to give a non-owner plan.

General Insurance

Do I have to keep car insurance if I don't have a vehicle or title?

You do not have to have insurance if you do not own or are driving a car. However, having a lapse in insurance will cause your rates to be higher once you do start a new policy.

Coverage & Claims

Do I need to maintain an SR-22 even if I'm outside the United States for a few months?

Hello, If you continue to pay your insurance premium, your insurance and SR-22 will not be in jeopardy because you are abroad. However, if you don't pay your bill and let your policy expire, your coverage will be cancelled along with with your SR-22.

General Insurance

Is it possible to purchase insurance on a car not owned by me?

Yes, you can get insurance for a vehicle not owned by you — the best option would be to have your friend add your name to the registration before getting insurance or get your own policy but have your friend listed there as insurable interest. You can also get non-owners insurance, but you should only opt for this if you don't plan on driving the car regularly as it only provides liability coverage, so you won't get full coverage with collision and comprehensive.

Eligibility

Do I need to get a non-owners policy if I'm borrowing my mom's vehicle?

Hello, If you live with your parents and drive their vehicle more than once a month, they will need to add you to their policy. If you do not live with them and/or you do not drive the vehicle more than once a month, you would be covered under what's known as permissive use (provided you have your parent's permission to drive their car). Good luck and if you have any further questions don't hesitate to ask.

Eligibility

Is there a temporary non-owners car insurance for foreign drivers?

As an international student, you do have some options. The Zebra can offer Non-Owner's policies for drivers with a foreign license. We can't quote that online because a car is required, but you can give us a call at 888-807-3823.

Eligibility

Can I get an SR22 and non-owners with an IID?

An IID, or ignition interlock device, is usually only required if you own a vehicle. I would contact a lawyer because I (an insurance agent) cannot answer this for you.

General Insurance

Will a non-owners policy be cheaper and right for my daughter?

A non-owners policy is cheaper than a standard policy. To qualify for a non-owners, your daughter cannot own a car or have regular access to a specific car.

Eligibility

Do I need non-owners for a policy I am borrowing?

If your mom will be borrowing a car that she does not own, she needs to be listed as a driver on the owner of the car's insurance policy. A non-owners policy is for someone that may drive occasionally but does not have regular access to a specific vehicle.
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