Every state has their own set of rules in regards to car insurance. Read here to learn how to navigate non owners insurance in Texas.
Did you know that there are about six million car accidents per year in the United States? Or that seventy-two percent of car crashes result in property damage of some kind?
With six million car accidents per year, some of those car accidents will inevitably occur by people who don't own the car they're driving. If this is the case, you may need non owners insurance.
If you're ready to learn the regulations surrounding car insurance, you've come to the right place!
We'll tell you everything you need to know about non owners insurance in Texas. We'll even tell you what you need to do to get it. All you need to do to learn more is read on.
What Is Non Owners Insurance?
Non owners insurance is for people who have driving licenses but do not own a car. Maybe you typically carpool or rely on public transit in your day-to-day life. Maybe you only rent a car if you're going on vacation.
Regardless of why you don't own a car, if you drive other people's cars often enough, you should consider it. The only time you shouldn't consider non owners insurance is when you live with or are related to the person lending you the car. If this is the case, you should be listed on the owner's car insurance policy.
Non owners insurance policies provide liability coverage for people who don't have their own vehicle and occasionally drive other people's cars. This means it pays for property damage or injuries you cause. It doesn't cover damage to the car you rented or borrowed.
Some non owners insurance policies will provide personal injury protection or uninsured motorist protection. Personal injury protection means that they will pay for your injuries after an accident, no matter who's at fault. Uninsured motorist protection will pay out if you're injured by a driver who has no insurance.
Whether you need to apply for non owners insurance or not is up to you. However, unless you never drive, you should at least consider applying for coverage.
Do I Need Non Owners Insurance in Texas?
When it comes to Texas law, there is both good news and bad news. The good news is that if the owner's vehicle you drive is insured, you do not legally need non owners insurance. The bad news is if you borrow an uninsured car and get in a car accident, you can be ticketed for driving that car and even lose your license.
Even if the owner has insurance, there's only a certain amount of coverage. It may be smart to choose to get non owners insurance anyways if you do not live with the person you borrow from.
Non owners insurance in Texas offers the minimum liability amount required by the state. This is considered a modest amount of coverage. You may want to consider getting a higher amount of coverage to protect yourself better.
Keep in mind that non owners insurance does not cover damage to the car you borrowed or rented. Some non owners insurance doesn't cover injuries to you personally either. This includes things such as collision coverage, medical payments, or roadside assistance.
For this reason, it's smartest to always borrow from someone who has insurance on their car already.
The average cost of a non owners insurance policy in Texas is about five hundred dollars. This is average among other states as well. Prices may vary, so it's best to look around for what coverage would suit you best.
How Do I Get Non Owners Insurance?
Choosing non owners insurance is a process that you'll want to be careful with.
First off, consider if you need it—do you borrow or rent cars a lot? Are you in between cars and need to maintain coverage? Do you need insurance to file an SR-22 to have your license reinstated?
If the answer to any of these is yes, then you should apply for non owners insurance as soon as possible. Some Texas insurance agencies will even help you file the SR-22 to get your license reinstated. Even if you don't own a car, non owners insurance will help you get your license back sooner.
Next, you'll want to examine your options. Basic coverage may be good for some people, but odds are you'll feel more comfortable with higher coverage. Getting more than the bare minimum will protect you from having to pay anything directly.
Next, you'll want to examine the cost of the insurance. Non owners insurance typically runs from two hundred to five hundred dollars. This is dependent on factors like your location, driving history, and how often you drive.
Make sure that you look at multiple places before you apply. Find out which insurance company is right for you.
Choosing the right non owners insurance can save you from a myriad of problems. Whether it's getting your license back easier or preventing a ticket, you'll be covered.
Apply for a Quote Today!
Now that you've learned all about non owners insurance in Texas, you're ready to take the next step and apply for non owners insurance. If you're not sure where to start, we've got good news. You're already in the right place.
In addition to offering information on a variety of useful insurance topics, we also offer insurance! You can apply for a quote or the insurance itself.
It's best to apply for non owners insurance as soon as possible, so why not do it today? Click here to get started with an easy application for whichever option fits your needs best.