Non-Owners Insurance North Carolina

When you are operating a vehicle that you do not own, you will not be provided with liability damage to property and liability for bodily injury. In such cases, you will need a non-owners insurance policy from Agency Protective to meet your needs. This policy will still provide liability coverage for times when you rent or borrow a vehicle, but do not own one.

In order to reinstate your driver’s license, you must provide the motor vehicles Department with an SR-22 insurance carrier form. Most states will require you to file this form if you had no liability insurance at the time of the accident and at the place where the accident occurred.

When to Contemplate a Non-Owners Insurance Plan.

  • If you do not have a non-owners insurance policy, the rental company will typically not require you to purchase their liability portion of insurance, which will typically pay you less in the long run. However, if you frequently rent cars but do not own a vehicle, you may be required to purchase physical damage and liability coverage from the rental company, which can be quite costly.
  • If you are at fault in an accident and the expenses from the accident exceed the limits of your non-owner’s policy, you would generally have to pay the excess amount, but this only applies if you occasionally borrow a vehicle from the owner’s policy and do not own a vehicle yourself.
  • If you borrow a vehicle or car from a dealer, you will also have coverage. By changing your auto insurance to a non-owners policy, you can maintain continuous coverage with your loyal customer status and carrier. Canceling your auto insurance will cause a lapse in your insurance history, especially if you are temporarily switching between vehicles.
  • When to Avoid Considering a Non-Owners Insurance Policy.

  • If you have regular access to a car, they may include you as a driver on their policy and the car can be from a neighbor or a family member.
  • If you reside with your parents and utilize their vehicles, their insurance company will necessitate that you be registered as a driver on their policy.
  • Coverage Provided.

    A non-owners insurance policy from Agency Protective will usually provide the same coverage as a standard insurance policy, without including insurance policies for roadside assistance, rental reimbursement, or collision and comprehensive benefits.

  • Physical Harm Liability: This covers the cost of medical bills that you are responsible for in case of a fault-based collision.
  • If you are insured, liability insurance will cover the cost of replacing or repairing the other driver’s vehicle in an at-fault accident.
  • Uninsured Motorist: This policy provides compensation to you in the event that you suffer injuries in a vehicle collision caused by another motorist who does not possess insurance or has inadequate coverage.
  • Medical Payments will cover your injuries and the injuries of passengers in your vehicle in the event of an accident, regardless of fault.
  • Our commitment is to provide convenience!

    With utmost honesty and professionalism, we assure you that we will offer responses to any inquiries you may have regarding your car insurance coverage. We guarantee that we won’t rush you and have the ability to swiftly and effectively provide you with a quote and coverage. The insurance experts at Protective Agency, with our online quoting system and multiple offices throughout the state, are committed to fulfilling this promise.

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