What does named non-owner coverage provide insurance for?

Named non-owner coverage is designed specifically for individuals who do not own a vehicle but frequently drive borrowed or rented cars. This type of coverage ensures that these individuals are financially protected in the event of an accident or damage while operating such vehicles. Since they do not own an automobile, their personal auto insurance would not apply, making named non-owner coverage essential for safeguarding against liability and ensuring compliance with any state-required insurance mandates.

This coverage typically includes liability protection, which can help pay for damages or injuries the driver may cause while using a vehicle that is not owned by them. This option is particularly useful for those who rely on rental vehicles, borrow friends' or family members' cars, or occasionally use rideshare services without the personal ownership of a vehicle.