How Is The General’s Non-Owner Car Insurance?
Last Updated on February 24, 2022
The General offers non-owner car insurance across the United States. If you want car insurance but do not own a vehicle, then The General’s non-owner car insurance is one available option.
Non-owner car insurance provides basic coverage when driving someone else’s vehicle. It’s useful for renting cars, reinstating a license, and remaining covered while driving another person’s vehicle.
Does The General offer good non-owner car insurance? How does The General’s non-owner car insurance work? Keep reading to discover everything you need to know about The General’s non-owner car insurance and how it works.
Table of Contents:
- How Does The General’s Non-Owner Car Insurance Work?
- Who Should Buy Non-Owner Car Insurance?
- Does The General Offer Good Non-Owner Car Insurance?
- What Does The General’s Non-Owner Car Insurance Cover?
- What Does Non-Owner Car Insurance Not Cover?
How Does The General’s Non-Owner Car Insurance Work?
The General’s non-owner car insurance works similarly to other non-owner car insurance policies: it allows drivers who do not own a vehicle to buy car insurance.
If you drive regularly but do not own a vehicle, then you may want to buy non-owner car insurance.
The General’s non-owner car insurance policies provide the minimum coverage required in each state. Some drivers buy optional add-ons. However, like other non-owner car insurance policies, The General’s policies do not protect the vehicle you are driving (you cannot buy collision or comprehensive coverage).
Who Should Buy Non-Owner Car Insurance?
Non-owner car insurance is the right choice for some drivers but not others. For some, non-owner car insurance is the best choice because of their unique situation. For others, non-owner car insurance is not suited to their needs.
Some of the reasons to buy non-owner car insurance through The General and other providers include:
You rent cars regularly. If you regularly rent vehicles, then you may want to buy non-owner car insurance. Non-owner car insurance can cover you when driving a rental vehicle. It helps you avoid buying car insurance from the rental car agency, saving you money.
You want to maintain continuous coverage. Maintaining continuous coverage can help lower future insurance rates. If you are between cars for a few months, then you may want to buy non-owner car insurance to maintain continuous coverage. Car insurance companies punish drivers who have canceled or paused car insurance, charging higher rates.
You need to reinstate your license. If the DMV requires proof of insurance to reinstate your license, but you don’t have a vehicle, then you might buy non-owner car insurance.
You must submit SR-22 or FR-44 forms. If the DMV requires you to submit SR-22 or FR-44 forms (say, if you were caught engaging in high-risk driving behavior), then you may need to buy a non-owner car insurance policy. In fact, The General specifically advertises some of its non-owner car insurance policies as SR-22 insurance policies.
You use car sharing services. Some car sharing services like Uber and Lyft require you to have car insurance – even if you don’t own a vehicle. In this situation, you can buy non-owner car insurance to remain covered.
You drive other peoples’ vehicles occasionally. If you occasionally drive friends’ or family members’ vehicles, then you may want non-owner car insurance. However, non-owner car insurance is not ideal for those who drive a specific person’s vehicle regularly, nor is it ideal if you live in the same house as the person. In this situation, you must be listed on that person’s insurance policy as a named insured individual.
For all of these reasons, you may want to buy non-owner car insurance through The General or another major provider.
Does The General Offer Good Non-Owner Car Insurance?
The General is a specialized car insurance company focusing on high-risk drivers. Most of The General’s customers are unable to obtain affordable car insurance through mainstream providers, so they buy car insurance through The General instead. Because of the focus on high-risk drivers, The General’s rates tend to be slightly higher than those of traditional auto insurers.
The General may offer cheaper non-owner liability insurance to high-risk drivers than other providers. Although you can buy non-owner car insurance through GEICO, Progressive, and other major providers, The General may be the best option for drivers with a history of risky driving behavior.
Overall, The General offers legitimate non-owner car insurance to allow you to legally drive on the road. However, the company tends to specialize in insuring high-risk drivers who need non-owner car insurance – including drivers who need to submit SR-22 or FR-44 forms.
What Does The General’s Non-Owner Car Insurance Cover?
The General’s non-owner car insurance covers minimum insurance requirements in your state. If your state requires bodily injury and property damage liability coverage, for example, then The General will provide this coverage, allowing you to legally drive while meeting minimum insurance requirements in your state.
A typical non-owner car insurance policy covers all of the following:
Bodily Injury Liability: If you injure someone while driving, then you are responsible for paying that person’s medical expenses. That person can make a claim through your non-owner insurance policy’s bodily injury liability coverage, and your insurance covers all applicable medical costs. Nearly all states require bodily injury liability coverage.
Property Damage Liability Coverage: Property damage liability coverage covers the cost of repairing damage to another person’s property – like their fence, their car, or their home. If you crashed into someone while driving, then your property damage liability coverage will cover the cost of restoring that vehicle to pre-loss condition. Nearly all states require property damage liability coverage.
Medical Payments / Personal Injury Protection (Included in Some States): Some states require drivers to carry medical payments (MedPay) or personal injury protection (PIP) coverage. If you live in a no-fault state, for example, then you may require these coverages. In this situation, your non-owner car insurance will cover your own medical expenses after an accident. In most states, however, non-owner car insurance does not cover your own medical costs after an accident.
Uninsured and Underinsured Motorist Coverage: If you collide with a driver who has no car insurance or too little insurance, then you can make a claim through your uninsured and underinsured motorist coverage. Required in some states, these coverages protect you from hit-and-runs, collisions with uninsured drivers, and other incidents. If your state requires these coverages, then your non-owner car insurance should include these coverages.
What Does Non-Owner Car Insurance Not Cover?
The General’s non-owner car insurance does not include collision or comprehensive coverage. Because you don’t own a specific vehicle or list a specific vehicle on the policy, you cannot buy coverage for that vehicle.
Non-owner car insurance does not include:
Collision Coverage: Collision coverage covers the cost of repairing damage to your own vehicle after an accident. Because there’s no specific vehicle on your non-owner car insurance policy, there’s no collision coverage on your non-owner policy from The General.
Comprehensive Coverage: Comprehensive coverage covers non-accident damages to your vehicle, including theft, vandalism, and fire damage, among other types of damage. Because you can’t list a specific vehicle on your insurance policy, The General does not offer comprehensive coverage on non-owner insurance policies.
Final Word on The General’s Non-Owners Car Insurance
The General offers non-owner car insurance policies, allowing you to buy car insurance even if you don’t own a vehicle.
The General’s non-owner car insurance is popular with those who need to reinstate driving privileges – say, by submitting SR-22 or FR-44 forms. Some people also buy non-owner car insurance when driving others’ vehicles, renting cars frequently, or maintaining continuous insurance coverage.
To learn more about The General’s non-owner car insurance and how it works, visit the official website today to request a quote.