While the laws regarding non owner car insurance vary from state to state, it is a form of liability protection that anyone with a license should carry. Even when one does not own their own auto, any licensed driver may be required to get behind the wheel at any given time. There are many circumstances which would require this, including but not limited to being a designated driver.

There are those who choose not to own their own automobile for various reasons. Perhaps they live in the city and have access to public transportation. In some situations, they might engage in carpooling on a regular basis.

A new system that has become popular with those who only drive on rare occasions is group ownership of an automobile. Each person pays for a portion of the vehicle, and each owner must have their own policy to cover them. The group then takes turns using the auto for their own purposes.

No matter what the reason for a licensed driver to only find themselves behind the wheel on occasion, carrying some form of coverage is extremely necessary. Even if all they need it for is an occasional rental truck for moving. At least a minimum coverage is necessary for any type of driving one may do.

Liability with minimum limits is not adequate for most drivers, however. For individuals who carpool or co-own a vehicle, the potential liability one may have in an accident is much greater. As such, greater coverages must be carried. This includes uninsured or underinsured coverage, as there are many drivers on the road who carry only minimum limits. This type of coverage is frequently inadequate in most accidents, and one must protect themselves from potential financial disaster in a particularly terrible wreck.

This may include carrying limits for personal injury or medical payments. In a carpooling situation, this may prove to be extremely important coverage, as whomever is driving the vehicle is ultimately responsible for any injuries sustained. Also, consider situations where one might be transporting the children of other people. Adequate coverage for injuries shows a sense of duty to those who are passengers.

Additional coverages should be considered in a co-ownership situation, even if the car is paid for up front. Any newer automobile is going to need comprehensive coverage. The expense of fixing even superficial damage to a newer automobile is prohibitive. Extra coverages, even in non owner car insurance, often includes rental and towing reimbursement as well, which can help prevent an economic hardship.