Question

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

I would like to know if a non-owners policy covers if I have an accident in a car owned by me, does it cover medical for the person I hit?

Nov 5, 2019 Smyrna, TN

Answer
Kristine Lee

Nov 5, 2019

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. A non-owners insurance policy is meant for people who don't own a vehicle, occasional drivers, or drivers with suspended licenses. It only covers your liability.

If you own a vehicle or regularly use one, you should not be opting for a non-owners policy. Your claims will get denied and you potentially can end up in legal trouble depending on your state laws.

The Zebra can help you find an affordable insurance policy for your situation.

If you have any questions, don't hesitate to ask.


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