Leif Olson, Car Insurance Writer
@leif_olson_1
No, non-owner insurance is not full coverage because non-owner insurance covers only the bodily injury and property damage liability components of full coverage. Full coverage car insurance also includes at least collision and comprehensive coverage.
Non-Owner Car Insurance vs. Full Coverage
| Type of Claim | ||
| Bodily injury liability | Covered | Covered |
| Property damage liability | Covered | Covered |
| Damage to the policyholder’s car | Not covered | Covered |
| Injuries to the policyholder | Covered when PIP/MedPay is included | Covered when PIP/MedPay is included |
| Accident caused by an uninsured driver | Covered when uninsured motorist insurance is included | Covered when uninsured motorist insurance is included |
In some states, personal injury protection (PIP), medical payments coverage (MedPay), or uninsured motorist coverage is legally required and will be automatically included in your non-owner insurance policy. In these states, injuries to the policyholder and passengers in the policyholder’s car will be covered, as will damage or injuries caused by uninsured drivers.
People also ask
Can I insure a car that I don't own?
You can insure a car that you don’t own in most states if you can prove insurable interest. This means you have a financial stake in the vehicle and will suffer a loss if anything happens to it, which reduces the risk of you committing insurance fraud.
For example, even though you don’t fully own a vehicle that’s leased or financed, you have money invested in the car’s wellbeing. Just keep in mind that...
read full answerWhat is non-owners insurance for?
Non-owner insurance is a car insurance policy that provides bodily injury and property damage liability coverage for drivers who don’t own a car. Non-owner insurance is cheaper than a standard car insurance policy and can be purchased by anyone with a valid driver’s license who does not have regular access to a specific vehicle. Even living with someone who owns a car could jeopardize your eligibility for non-owner insurance.
What Non-Owner Insurance Covers
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