Rental cars and occasional drivers in California can benefit (and save money) from GEICO’s non-owner car insurance coverage. If you need to submit an SR-22 or FR-44 certificate to have your license reinstated, GEICO offers non-owner car insurance to help you do so. <\/p>
Non-owner insurance is a cheap type of car insurance that financially protects drivers who do not own a car. Those who frequently use a rental car<\/a>, rideshare, or borrow a friend’s car will benefit greatly from non-owner auto insurance. Renewing your driver’s license may also necessitate purchasing non-owner auto insurance.<\/p> Coverage for the bare minimum of insurance required by your state is included in most non-owner policies. It covers liability, which means you can drive as long as you meet the state’s minimum requirements. Bodily injury and property damage liability are standard features of most non-owner insurance policies.<\/p> GEICO’s non-owner auto insurance is available to anyone, regardless of whether or not they are already GEICO customers.<\/p> Permissive use coverage or rental car insurance are two options for when you are behind the wheel of a vehicle that does not legally belong to you. Some insurance policies may not cover enough if you hit your friend’s car and hurt someone or damage their property. <\/p> Non-owner auto insurance<\/a> coverage is an optional form of liability protection for drivers who frequently use borrowed or rented vehicles.<\/p> Some car-sharing services, like Zipcar, cover liability, but only up to a certain amount. If you have an accident, you may also have to pay a big deductible<\/a>, which can be in the thousands of dollars. We recommend getting coverage if you use this kind of service often.<\/p> Recent car-less drivers can keep their insurance and avoid rate hikes by switching to a cheaper non-owner policy. It may not be a priority if you have no plans to buy a new car, but if you are only without wheels for a short time, non-owner insurance can help you avoid a rate hike when you do buy a replacement vehicle.<\/p> A California driver who has had their license suspended due to a DUI or other serious traffic violation must submit proof of financial responsibility in the form of an SR-22 insurance certificate before having their license reinstated. The procedure’s end goal is to verify that you have car insurance. Getting a non-owner car insurance policy is one way to fulfill legal requirements, even if you do not own a car. <\/p> If your license has been revoked because of too many points or an offense like a DUI, your insurance company may need to file an SR-22 form on your behalf.<\/p> In California, without non-owner car insurance, a high-risk driver who is required to carry SR-22 insurance but who does not own a vehicle cannot legally drive on public roads. <\/p> GEICO requires a driver’s license for non-owner car insurance in California. You are not eligible for non-owner insurance if you own a vehicle. For non-owner insurance, calling GEICO is probably the easiest way to get a quote, but you can also try online. You will have to provide personal details, such as your<\/p> In California, you have options besides GEICO non-owner, but their car insurance is among the cheapest and they have excellent customer service ratings for a company of their size.<\/p> A non-owner’s car insurance policy is called secondary coverage. When more than one insurance policy covers an accident, the secondary policy only covers what the primary policy does not. If you borrow a friend’s car and get into an accident, for instance, your friend’s auto insurance will pay for the damages initially, and your non-owner policy will take care of any additional expenses or losses over your friend’s liability limits.<\/p> Furthermore, a deductible is not typically included in non-owner auto insurance policies. At the time of purchase, you will choose a maximum amount of coverage.<\/p> To understand what non-owner auto insurance does not cover, as well as how it protects drivers from financial ruin, it is helpful to consider what it does. Non-owner policies do not cover the following things:<\/p> The bare minimum level of protection required by your state is the standard for insurance for drivers who do not own a car. Some drivers carry more than the required minimum liability coverage, while others do not go over these limits. <\/p> Full coverage, which includes collision and comprehensive, is not included in your GEICO non-owner car insurance policy.<\/p> The vehicle’s owner or rental agency provides coverage, but GEICO’s most basic policy for non-owners includes bodily injury and property damage liability. Uninsured or underinsured motorist coverage, personal injury protection (PIP), medical payments, and other optional coverages are available for added safety and\/or to fulfill state mandates. <\/p> Bodily injury liability insurance is mandatory in the majority of states, and it pays for injuries you cause to other people while driving a car. Any injuries or property damage you or your passengers sustain while in your car are not covered. States typically require bodily injury liability insurance at a minimum of $25,000.<\/p> In the event of an accident, property damage liability insurance protects you from financial responsibility for repairs to other people’s vehicles and property. <\/p> Medical payment coverage reimburses you and your passengers for certain accident-related medical costs and is mandated in some jurisdictions.<\/p>Who Needs GEICO’s Non-Owner Car Insurance?<\/span><\/h2>
#1. People who Rents Cars<\/span><\/h3>
#2. You Make Use of a Car-Sharing Service<\/span><\/h3>
#3. Drivers in Between Cars<\/span><\/h3>
#4. You Want Your License Back After a Major Offense<\/span><\/h3>
Drivers Who Need an SR-22<\/span><\/h3>
How to Get Geico Non-owner Car Insurance<\/span><\/h2>
Geico Non-Owner Car Insurance Coverage <\/span><\/h2>
How does Non-Owner Car Insurance Work in California?<\/span><\/h2>
The Exclusions of Non-Owner Car Insurance<\/span><\/h2>
What Does Geico Non-Owner Car Insurance Cover?<\/span><\/h2>
#1. Bodily Injury Liability Coverage<\/span><\/h3>
#2. Property Damage Liability Coverage<\/span><\/h3>
Additional Coverage Geico\u2019s Non-Owner Car Insurance<\/span><\/h2>
#1. Medical Payments (MedPay) Coverage<\/span><\/h3>
#2. Personal Injury Protection (PIP)<\/span><\/h3>