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
Did we answer your question?