A Named Non-Owner Policy provides coverage for whom?

A Named Non-Owner Policy is specifically designed to provide coverage for individuals who do not own a vehicle but may frequently operate vehicles that they do not own. This type of policy offers liability coverage and protects the insured when they are driving a rental car or a vehicle borrowed from someone else.

The coverage is linked to the individual named in the policy, not the vehicle itself. Therefore, it only applies to the person named in the policy when they are driving non-owned vehicles. This makes the choice indicating "one driver using non-owned cars only" the most accurate representation of the policy's purpose.

The other options do not align with the intent or the coverage provided by a Named Non-Owner Policy. For instance, coverage for "multiple drivers using owned vehicles" does not apply, as the policy is not intended for those who own vehicles. Similarly, the phrase "any driver with permission" suggests a broader coverage that applies to multiple persons and owned vehicles, which is not in line with the defined parameters of a Named Non-Owner Policy. Lastly, the mention of "commercial drivers using company vehicles" relates more to commercial auto insurance policies rather than personal liability coverage under a Named Non-Owner Policy.