Non Owners Auto Insurance Evanston, Illinois IL
Reader’s Question:
I do not own a car but I do have a drivers license in Evanston, Illinois. I am wondering if I need a car insurance to drive some one else’s vehicle on an occasional basis?
Greene
Evanston, IL
Generally the owner’s policy on a car that you may borrow on an occasion basis should cover you as a driver. According to the Illinois DOI the typical bodily injury liability insurance covers for bodily injury to another person or property damage liability you cause due to the negligent operation of a car. It may also cover if the accident was caused by a member of your family living with you or the individual driving your car with your permission.
The car owner that you drive on occasion, and thus has the car insurance policy on it, should read over their policy as well as talk to their car insurance agent to be sure you are properly covered to drive their car from time to time.
Since you do not own a vehicle then you can get a non-owners policy in Evanston, Illinois. Non-owners insurance policy is typically additional coverage to provide you liability protection for when you are at fault and do not own a car.