Named Non-Owner Auto Insurance Florida

What Is Named Non-Owner Auto Insurance?

Named non-owner auto insurance is a liability policy designed for people who drive but do not own a vehicle. This coverage follows you as a driver rather than a specific vehicle, providing liability protection when you drive cars that you do not own, such as rental cars, borrowed vehicles, or car-sharing services. It does not cover damage to the vehicle you are driving, but it does protect you financially if you cause an accident that injures others or damages their property.

Why You Need Named Non-Owner Auto Insurance

• Provides liability coverage when you frequently rent or borrow vehicles
• Helps you avoid coverage gaps and maintain continuous insurance history
• Required if you need to file an SR-22 but do not own a vehicle
• Serves as secondary coverage when borrowing someone else's car, protecting you if their limits are insufficient
• Often more affordable than being added as a named driver on someone else's policy

Common Coverages

Named non-owner auto insurance primarily provides liability coverage, including bodily injury liability to cover medical expenses and lost wages if you injure someone in an accident, and property damage liability to cover repairs if you damage someone else's vehicle or property. The policy typically meets Florida's minimum liability requirements but you can purchase higher limits for better protection. Some insurers also offer uninsured motorist coverage, which protects you if you are hit by a driver without insurance, and medical payments coverage for your own injuries. This policy does not include collision or comprehensive coverage because you do not own the vehicle you are driving.

Who Needs Named Non-Owner Insurance?

This coverage is ideal if you frequently rent cars for business or leisure, regularly borrow vehicles from friends or family, use car-sharing services like Zipcar, need to maintain continuous insurance coverage between owned vehicles, or are required to file an SR-22 but do not own a car. It is particularly useful for people living in urban areas who rely on public transportation but occasionally need to drive.

How Does It Work With Rental Cars?

When you rent a car, your named non-owner policy can provide liability coverage, potentially allowing you to decline the rental company's liability insurance and save money. However, it will not cover damage to the rental vehicle itself, so you may still want to purchase the rental company's collision damage waiver. The Gordon Agency can help you understand exactly how your non-owner policy works with rental cars and what additional coverage you might need.

What Is Not Covered?

Named non-owner insurance does not cover vehicles you own, vehicles registered in your name, vehicles furnished for your regular use, damage to the vehicle you are driving, or vehicles used for business purposes unless specifically added. If you live with relatives who own vehicles, those vehicles are typically excluded from your non-owner coverage. Always discuss your specific situation with The Gordon Agency to ensure you have appropriate coverage.