There is a special type of car insurance you should consider purchasing even if you do not own a car. This type of coverage is called "non-owner" coverage.

Why Do You Need It?

Non-owner is a type of liability coverage that will pay for injuries you or injuries your passengers have obtained as well as property damage that was incurred while you were driving a rented car or borrowing a friend's car.

Here are four reasons you might need non-owner car insurance:


  1. If you have a DUI or DWI, North Carolina requires you to file an SR-22 form to get a driver's license or to have a driver's license restrained. These forms must be provided to prove you have insurance. If you do not have a car, a non-owner policy paper work will have to be provided.
  2. If you rent cars frequently, this policy will be cheaper than buying rental insurance from the car rental service.
  3. If you use a car sharing service such as Zipcar, you might want to consider having extra protection to protect yourself just in case someone decides to sue you after a collision.
  4. If you drive a friend's car and have a collision, it is typically still the insurance company's responsibility to pay for damages obtained. However, if the cost of repair exceeds your friend's limits, a non-owner car insurance policy would be able to cover the remainder of the damages up to the limits of your policy.
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