If you don’t own a car, but still drive on occasion, you may want to consider purchasing non-owners insurance in North Carolina. This type of coverage can protect you financially in case of an accident or injury while driving someone else’s vehicle. But do you really need it? Read on to find out more about non-owners insurance in NC and if it’s the right choice for you.

What is Non-Owners Insurance?

Non-Owners Insurance in NC is a type of car insurance that provides liability coverage to drivers who don’t own a car. This means that if you cause an accident while driving someone else’s vehicle, this insurance will cover the other driver’s medical expenses and property damage up to your policy limits. It does not, however, provide coverage for damage to the vehicle you are driving or any injuries you sustain in the accident. Non-owners insurance can be a smart option for those who frequently drive rental cars, borrow vehicles from friends or family, or use car-sharing services.

Who can benefit from Non-Owners?

Non-Owners Insurance in NC can be beneficial for individuals who don’t own a car but still drive on occasion. This type of insurance provides protection in case you cause an accident while driving someone else’s vehicle. It’s also useful if you frequently rent cars, use car-sharing services, or borrow a friend or family member’s car. If you’re in a situation where you’re driving someone else’s car and don’t have personal auto insurance, non-owners insurance can protect your financial well-being in case an accident happens. It’s important to assess your level of risk before deciding whether this type of insurance is right for you.

What does Non-Owners cover?

Non-Owners Insurance in NC typically covers liability for any damages or injuries you may cause while driving someone else’s vehicle. This includes bodily injury liability, which covers medical expenses and lost wages for the other driver and their passengers if they’re hurt in an accident you caused, as well as property damage liability, which covers repairs to the other driver’s car or any other damaged property. It’s important to note that non-owners insurance does not cover damages to the car you were driving at the time of the accident or any injuries you may have sustained yourself.

How much does Non-Owners Insurance cost?

The cost of Non-Owners Insurance in NC can vary depending on several factors including your driving record, age, and the amount of coverage you want. On average, it can range from $200 to $500 per year. It’s important to shop around and compare quotes from different insurance providers to get the best coverage at an affordable price. Keep in mind that having Non-Owners Insurance may also help you avoid future rate hikes on your auto insurance if you have an accident while driving someone else’s vehicle.

How to determine if you need Non-Owners Insurance in North Carolina?

If you don’t own a car but regularly rent or borrow cars, or occasionally drive a friend’s car, then Non-Owners Insurance in NC may be beneficial for you. It can provide coverage for damages and injuries if you cause an accident while driving someone else’s vehicle. Additionally, if you frequently use ride-sharing services like Uber or Lyft, this type of insurance could also protect you financially in case of an accident. However, if you have regular access to a vehicle that is insured by someone else, then you may not need Non-Owners Insurance. It’s important to consider your unique situation before making a decision about whether to purchase this type of coverage.