What’s the difference between non-owner’s car insurance, and a car that’s fully covered?

July 16th, 2009 | by carinsurance |

John D asked:

My boyfriend has a car that is in his name, and he is fully insured through the car. But, I need to drive it every once in a while and I don’t want to be screwed if I get in an accident. Will his insurance cover me while I drive his car, if he gives me permission to, or do I need to get non-owner’s insurance to cover my ***? If so, what is the best company I can go to, or is non-owner’s car insurance called something else?

ANTONE

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4 Responses to “What’s the difference between non-owner’s car insurance, and a car that’s fully covered?”
By odzookers on Jul 17, 2009 | Reply

If you drive it with his permission, you’re covered. Have him call his agent to be certain.
By Julie S on Jul 17, 2009 | Reply

Most companies will extend coverage on an incidental basis. There are some companies who only will cover the driver listed on the policy. Only a call to the agent will let you know for sure. If his company will not extend the coverage, you could ask him to have you listed as a driver on his policy. You could get non-owner coverage, but that would probably cost a lot more than just adding you to his current policy. Good luck!
By MARGARE T on Jul 19, 2009 | Reply

Perhaps it is best to do some homework of your confusing field before accepting others’s suggestion.Here is a great start point.
By Megan B on Jul 20, 2009 | Reply

The policy on the vehicle covers your temporary, incidental use of the vehicle. This means you are covered if you are in an accident in that vehicle so long as your use of the vehicle is temporary and incidental - i.e. you borrowed the vehicle.

I’ve found some good information here too…

Best of luck to you.

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