Non-Owned Auto Insurance  in California

What is Non-Owned Auto Insurance?

Non-Owned Auto Insurance is designed to provide coverage for vehicles that are not owned by the policyholder, but are used for business purposes or personal use. This type of insurance is beneficial for businesses that require employees to drive personal vehicles for work or for individuals who use rental cars, borrowed vehicles, or others’ cars.

Key features of Non-Owned Auto Insurance include:

  • Liability Coverage: Covers third-party damages or injuries caused by the driver of a non-owned vehicle.
  • Medical Payments: Covers medical expenses for injuries sustained while driving a non-owned vehicle.
  • Collision Coverage: Covers damage to a non-owned vehicle due to a collision, regardless of fault.
  • Comprehensive Coverage: Provides coverage for non-owned vehicles damaged by causes other than a collision, such as vandalism or natural disasters.

What Non-Owned Auto Insurance Options are Available?

There are several coverage options available for Non-Owned Auto Insurance that can be tailored to meet the needs of individuals or businesses. These include:

  • Employer Non-Owned Vehicle Liability: Provides liability coverage for employees driving non-owned vehicles during business activities.
  • Personal Non-Owned Vehicle Coverage: Protects individuals using borrowed or rented vehicles for personal purposes.
  • Hired Auto Coverage: Covers vehicles rented for business or personal use, typically included in a commercial auto policy.Each option can be customized to meet specific needs based on usage, location, and the number of vehicles involved.
Annuity Insurance

Why Buy Non-Owned Auto Insurance?

Non-Owned Auto Insurance is essential for individuals and businesses that use vehicles they do not own, offering protection against accidents and damages that may occur while driving someone else’s vehicle. It is an affordable way to ensure you are covered in case of unforeseen events that involve non-owned vehicles.

For businesses, this insurance helps minimize the risk associated with employees driving their own vehicles for work-related tasks. For individuals, it provides peace of mind while driving rental cars, borrowed vehicles, or while using someone else’s vehicle.

Contact us today to learn more about how Non-Owned Auto Insurance can protect you or your business. We’re here to help you find the right coverage.