Non-Owner Car Insurance in Texas
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Yes, you can get non-owner car insurance in Texas. This type of insurance provides the most basic coverage that you’ll need to legally drive, meeting Texas’ minimum car insurance requirements. Keep in mind that a non-owner insurance policy won’t cover damage to the vehicle that you’re driving, but it can help cover expenses like medical bills and property damage to others. Since the insurance coverage is minimal, these policies tend to be highly affordable.
Texas non owners insurance is not tied to a certain car, and the vehicle doesn’t have to be in your name for you to get coverage. Instead, this type of insurance extends to the vehicles that you borrow or rent, giving you liability coverage. The liability coverage from your policy can help pay for bodily injury or property damage that others sustain if you’re in an accident.
While it’s standard for non owner insurance to only provide liability coverage, you may be able to add on extra coverages, like medical payments or uninsured and underinsured motorist protection. These add-ons can make your policy more comprehensive, but they can also increase its cost.
Texas non-owner car insurance is a type of secondary insurance. If you’re in an accident and need to file a claim, the car owner’s policy will be billed first. Once the expenses exceed that policy’s limits, your non-owner’s insurance policy will go into effect to help cover the remaining costs.
Buying a non-owner car insurance policy can give you extra peace of mind when you’re driving a rented or borrowed vehicle. This type of coverage may make sense if you often have to rent or borrow cars, such as if you typically rely on public transportation but borrow a car on the weekends.
If you only drive a few times a year, buying a non-owner insurance policy might not be worth the cost. And if a family member frequently lends you their car, you can ask them to add you to their insurance policy. Chances are you’ll get better coverage than you’ll receive with a non-owner’s car insurance policy.
The cost of a non owner car insurance policy depends on many factors, including your age, driving history, location, and the coverage limits. You can get free car insurance quotes online today to start comparing your options and to find the policy that’s best for your needs.
Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.
