Non-Owner Auto Insurance in Chicago, IL
Even without a vehicle, you can face liability risks when using borrowed or rented cars. Real Auto Insurance Agency Inc. offers non-owner auto insurance for drivers in Chicago, IL when an owner’s coverage is not enough.
What Is Non-Owner Auto Insurance?
Non-owner auto insurance provides liability coverage for drivers who do not own a vehicle. It can cover damages and injuries you may cause while operating a borrowed or rented car. It does not cover vehicle repairs or your own medical costs, but follows you as the driver. It can also satisfy state liability requirements to restore a suspended license.
What Does It Cover?
A standard non-owner policy may include the following:
- Third-party bodily injury coverage may help with doctor visits, hospital bills and recovery costs for injured parties.
- Third-party property damage coverage may pay for repairs to other vehicles, structures and personal property.
- Uninsured motorist bodily injury coverage may pay for your medical bills if an uninsured driver hits you.
- Legal defense costs coverage may pay for legal counsel and court fees following a covered accident.
SR-22 Compliance and High-Risk Driver Insurance
An SR-22 is a certificate of financial responsibility required after a major traffic violation or license suspension. Drivers who do not own a car can use a non-owner policy to meet state mandates, allowing an insurer to file on their behalf to help restore driving privileges.
Why Choose Non-Owner Coverage?
A non-owner policy can be a practical choice if you frequently rent cars, borrow vehicles from friends or family or use car-sharing services. It can also help you avoid coverage gaps that may lead to higher insurance rates later, or fulfill state SR-22 requirements when you do not own a vehicle.
Secure a Policy Today
Contact Real Auto Insurance Agency Inc. to get a free custom quote.