Non Owned Auto Liability Insurance: Get The Facts

When you rent a car, you should purchase non owned auto liability insurance. While most of us are fully aware of the facts pertaining to purchasing insurance for our own car, many of us aren’t aware of the best way to insure a rental car. That's why now is a good time to get the facts on non owned auto liability insurance.

When you rent a vehicle it is important that you ensure that you have the necessary insurance coverage to protect yourself and your assets in the event of an accident while you are driving the rental vehicle. Non owned auto liability insurance is what you want when you rent a car.

Non owned auto liability insurance is purchased from an auto insurance agent who can offer you much better pricing than a car rental company. This type of insurance will actually drop in price as continue to rent cars.

Non owned auto liability insurance policy covers you in the case of an accident.  It covers damage to another person’s vehicle as well as injuries to passengers of the other car and bystanders.

A non owned auto liability insurance policy also offers uninsured and underinsured coverage as well as medical expense coverage for passengers in your rental vehicle. Non owned auto liability insurance essentially covers everything but collision, so you will still need to purchase collision coverage from the rental company.

Let’s look at an example of non owned auto liability insurance at work. You fly out of town for a business meeting in the adjourning city. You rent a car at the airport, pick up the client and head out to his plant. On the drive, an accident occurs. Your client is injured, one person on the street, and the driver of the other car. Your non owned auto insurance covers the injuries of all of the persons injured as well as the other person’s vehicle. The collision coverage you purchased from the rental company covers the damage to the rental car.

By purchasing your collision insurance from the rental company and your liability insurance from your auto insurance agent you get to enjoy the best that both companies offer and at the best price available. You also can enjoy the peace of mind non owned auto liability insurance can provide. You can rest as ease knowing you are covered in the tragic event of an accident. Even good drivers have accidents!

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