Texas non-owner insurance is an insurance policy designed to provide drivers that don’t actually own a vehicle with the state-required minimum liability insurance. If you know you are required to get SR 22 insurance but you don’t own a car, you will still need to get insurance in order to have your Texas driver’s license reinstated. Likewise, a Texas non-owner insurance policy is required to legally drive another person’s car. A Texas non-owner insurance policy from ABC Insurance Services will provide you with Texas liability insurance coverage for any vehicle that you are driving (Except household cars).
It is important to remember that a Texas non-owner insurance policy is used as secondary insurance in the event of an accident. The insurance of the car’s owner will be used first, and your non-owner policy will kick in to cover any damages beyond that primary coverage. A non-owner policy only provides coverage for the car that you hit, not the car that you are driving.
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Additionally, in the case that the car you are driving is uninsured by the owner or if the owner has accidentally allowed their insurance policy to lapse, your Texas non-owner insurance will protect you from incurring heavy financial and legal repercussions in the event of an accident.
Because the rates tend to be higher for this type of policy, you should make sure you compare rate quotes with and Independent agency like ABC Insurance Services to make sure that you find the cheapest Texas non-owner policy possible.