What is covered under a Named Non-Owner Policy?

A Named Non-Owner Policy specifically provides liability coverage for individuals who do not own a vehicle but may occasionally drive vehicles that they do not own. This type of policy is designed to cover use of non-owned vehicles, which may include cars rented, borrowed, or used in other capacities.

The liability coverage under this policy protects the insured in the event that they cause an accident while driving someone else’s car, which can lead to claims for bodily injury or property damage to third parties. As these individuals do not have an ownership stake in any vehicle, they typically would need protection against legal liability associated with their use of vehicles they do not own.

Other options do not align with the core purpose of a Named Non-Owner Policy. Owned vehicles’ damages or personal medical expenses are not covered under this policy, as it focuses specifically on liability related to non-owned vehicles. Additionally, physical damage to personal vehicles is outside the scope of the liability coverage provided by a Named Non-Owner Policy, as this type of policy does not include coverage for vehicles that the insured actually owns.