What type of policy is needed for an individual who does not own a vehicle but regularly drives one?

A non-owned auto policy is specifically designed for individuals who do not own a vehicle but frequently drive someone else's vehicle. This type of policy provides liability coverage for the individual while they are operating a vehicle that is not registered in their name. It is ideal for scenarios where the insured regularly borrows or rents vehicles, ensuring they are protected from potential liabilities that may arise during those instances.

In contrast, a comprehensive auto policy typically covers damages to the insured's own vehicle, which does not apply here because the individual does not own a vehicle. A liability-only auto policy is intended for vehicle owners who only want to cover their liabilities without any coverage for physical damage to their own vehicle. A personal auto policy is more general and designed for individuals who own a vehicle, encompassing both liability and physical damage coverage for that specific vehicle. Therefore, for someone who does not own a vehicle but drives others' cars regularly, a non-owned auto policy is the most appropriate choice.