When you are looking at auto insurance coverage that may be available to address your concerns and goals, it is important to understand the different options that are available. Auto liability insurance can include hired and non-owned policies that address a variety of different concerns when you are not the owner of a particular vehicle.

What is the Policy?

A hired and non-owned auto liability insurance policy is a type of plan that addresses specific concerns when you consistently borrow or rent a vehicle. The policy is designed to protect against liability concerns if you are involved in an accident while driving a car that you do not own. Depending on the situation and the number of days that you use the vehicle, you may or may not need to purchase a separate policy to address your specific liability concerns.

When to Purchase the Plan

As a general rule, it is best to purchase the plan if you rent a car for more than 10 days in a year or if you consistently borrow a vehicle from a friend or family member. While borrowing a car once or twice may not require additional coverage, using the car several times can mean that the owner’s policy will not cover you or may offer only limited protection.

If you are driving a company car, then you may also want to consider the plan as a solution to help pay for damages if you get into an accident.

When you do not own a car that you are driving, it is usually best to purchase a policy that is specifically designed to address all of your concerns regarding liability and damages to the vehicle. Contact us to speak to an agent for more details today.