The short answer
Non-owner auto covers liability (bodily injury and property damage) when you drive vehicles you don't own or regularly use. Great for SR-22 filers without a car, frequent renters, and maintaining continuous coverage to avoid a lapse surcharge. It doesn't cover the vehicle itself — the owner's collision/comp does.
Frequently asked
- Does it replace the rental car's insurance?
- Provides primary liability; you may still want the rental company's LDW for physical damage.
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