Non-proprietor vehicle insurance contracts give risk inclusions, commonly with no deductible.
Secondary coverage is provided by this kind of auto insurance. Your non-owner policy kicks in if your car insurance policy fails to cover all of the costs if you are involved in an accident.
Non-owner auto insurance, on the other hand, only covers liability. Therefore, if you damage someone else’s car and the owner does not have collision insurance, you may be responsible for replacing their vehicle.
Because non-owner policies cover a person rather than a specific vehicle, they do not provide optional coverages like rental reimbursement or towing.
Policies for non-owner automobile insurance must meet mandated minimum requirements.
For instance, motorists in Missouri are required to have bodily injury liability coverage in the amounts of at least $25,000 per person, $50,000 per accident, and $10,000 per accident for property damage.
Therefore, the non-owner policy you purchase in Missouri must meet or exceed these minimum levels of coverage.
