Do I need auto insurance if I don't own a car but frequently borrow or rent one?
If you frequently borrow or rent a car, you may not need to purchase your auto insurance policy if you meet the following conditions:
Rental Car Insurance: When you rent a car from a rental agency, they typically offer rental car insurance options. These options usually include Collision Damage Waiver (CDW) and Liability Insurance. The Collision Damage Waiver covers damage to the rental car, and the Liability Insurance covers your liability for damage to other people's property or injuries to others. You can choose to purchase this insurance from the rental agency if you don't have coverage elsewhere.
Non-Owner Car Insurance: If you occasionally borrow cars, you may want to consider non-owner car insurance. This type of insurance provides liability coverage when you're driving a car you don't own.
Credit Card Coverage: Some credit card companies offer rental car insurance as a benefit if you pay for the rental using their card. However, the coverage provided may vary.
Coverage Through the Car Owner's Insurance: When you borrow a car from a friend or family member, their auto insurance policy may extend coverage to you as a permissive driver. However, this depends on their policy, and it's crucial to confirm with the owner's insurance company before driving the vehicle.
