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Texas Non Owner Insurance
Facts
Non owners insurance is
recommended only for persons who do not own a vehicle and do not
have regular access to a vehicle.
Non Owners Insurance does not cover
owned but non-registered vehicles.
This type of Policy is primarily
designed to meet Financial Responsibility Requirements for the
Occasional Driver who does not actually own a vehicle. When
operating the vehicle of another person, We often may not be
able to verify that the Vehicles Owner has provided adequate
Financial Responsibility. Such an event may arise with little
notice or even in an Medical Emergency. A friend might ask you
to drive on a short jaunt to the store.
In Most States, Non Owner Insurance Policies are
designed for licensed drivers who do not regularly drive or
operate a vehicle and do not have regular access to a vehicle.
This type of coverage generally provides no coverage for damage
to the vehicle being operated and is very limited in it's scope of
coverage. the coverage also will generally not extend to the
operation of vehicles owned by family members and household
residents due to the access restrictions.
If you obtain a vehicle during a
policy period you should notify your insurer so that the vehicle
can be added to your policy.
A Texas Non Owners Insurance Policy
is generally considered:
1. Secondary coverage to any auto
policy already on the Vehicle being operated.
2. Primary Coverage for the Named
Non Owner Insured when no other coverage exists.
The policy can be obtained with most
options offered with auto liability such as PIP, Med, Uninsured
and Underinsured motorists coverage. Coverage can be afforded in
cases where the owners policy limits have been exhausted or when
it is found that no other coverage exists.
Remember when operating a motor
vehicle in The state of Texas, Financial Responsibility is on
the Driver behind the wheel. Accidents do happen and we should
always verify that Adequate Insurance Coverage is in place
before we operate a motor vehicle whether it is ours or that of
another person.
Happy Motoring from
Insurance Plus
Contact us today for more information about Texas Non Owners Insurance |
