Cheap Non-Owner Auto Insurance In Nevada

Reader’s Question:

I often let my friend drive my other car since I own three, and she doesn’t own any. I have auto insurance, but she is not included in the coverage. I told her to get auto insurance since she frequently drives around Nevada. What kind of insurance should she get?

Bob

Las Vegas, NV

If your friend lives with you, you should inform your auto insurance company there in Nevada that she frequently uses your car, so that she could be included in your coverage. All members of the household who can drive should be included in the auto insurance coverage since they are expected to drive the insured vehicle at one time or another. However, if your friend is not part of your household, you may still have her included in the coverage, but you have to remember that including her in the coverage would cause some changes in your premium rate. If you’re fine with this, then you may inform the insurance company about it. If not, you could tell your friend to get a non-owner’s auto insurance policy.

A non-owner’s auto insurance policy is a type of policy that is offered to those who do not own a vehicle but want to have financial back up in case something goes awry. Often, this auto insurance includes coverage for liability, uninsured/underinsured motorists, and medical charges. However, coverage for collision, comprehensive, rental or towing reimbursement is not included in the policy.

If your friend gets in an accident while driving your vehicle, you may expect your auto insurance to take effect first. If your friend is the one at fault, your insurance will cover the damages brought to the other driver. However, if the damage cost exceeds your policy limit, then the excess would have to be covered by your friend’s non-owner’s policy. This way, both you and your friend are covered, at least up to the limit of your friend’s auto insurance policy.