If you do not own a vehicle but regularly drive rental cars, borrow friends’ vehicles, or use car-sharing services, non-owner car insurance provides the liability protection you need. It also satisfies Florida’s SR-22 financial responsibility requirement without requiring you to own a car.
What Does Non-Owner Insurance Cover?
- Bodily injury liability when you are at fault in an accident
- Property damage liability for damage to other vehicles or property
- SR-22 certificate filing with the Florida DMV if required
- Uninsured motorist coverage for your medical expenses as a passenger
- Medical payments coverage for your injuries regardless of fault
- Excess liability over the vehicle owner’s primary coverage
Who Needs Non-Owner Insurance?
Non-owner insurance is ideal for licensed drivers who rely on car-sharing or rentals, people who have had their license suspended and need SR-22 to reinstate it, individuals between vehicle purchases, and those who borrow vehicles regularly but do not own one. It provides continuous liability coverage without requiring vehicle ownership.
What Non-Owner Insurance Does NOT Cover
Non-owner policies do not provide collision or comprehensive coverage for the vehicle you are driving — that must come from the vehicle owner’s policy or rental car coverage. It also does not cover vehicles you own, lease, or have regular use of. It is strictly a liability-first coverage for occasional drivers.
Get Non-Owner Insurance in Orlando, Florida
Insure USA, Inc. is an independent agency serving Orlando and all of Florida. We compare Non-Owner Insurance options from multiple top-rated carriers to find the best combination of price and protection for your situation. Call us at (321) 235-7377 or request a free quote online.