Best Answer

The answer has a couple of aspects.

1. One does not need to own a car in order to get auto liability coverage. Instead, you can get "non-owners coverage" which will provide liability coverage regardless of the car that you are driving. Such insurance does not provide physical damage coverage for the car, but does protect you from legal liability to another if you are negligent in the operation of the car that you are driving.

2. In order to get physical damage coverage on the carm you must have an "insurable interest" in it. This means that you must have a stake in the continued existence and value of the car. That can arise from ownership of it or the leasing of it. In the latter case, you are responsible for returning it in good physical condition; to that extent, you have an insurable interest.

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Q: Can you get insurance coverage if you have never owned a car before?
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What kind of insurance coverage can we get for a borrowed vehicle that doesn't have any insurance on it because the owner doesn't drive it. We have insurance coverage on our vehicles?

Some insurance companies like Progressive will cover a non-owned vehicle meaning a vehicle in which you have no legal or financial interest. Check around if your insurance company does not provide coverage to non-owned vehicles.

Will your insurance cover hail damage before you owned your car?

Existing damage is never covered.

Does home owners insurance cover utility vehicles?

To a degree yes, but only those that are used for maintenance of the owned property. Homeowners insurance never provides coverage for a vehicle that is designed for use on public roads. Contact your insurance Agent for more detailed information about the scope of coverage included in your policy. Not all home insurance policies are the same.

Is there a Sr22 that will cover non owned company vehicle?

An SR22 filing would have to accompany your Personal auto insurance policy. Personal Auto insurance "never" provides coverage for a commercial company vehicle with or without an SR22 filing.

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Knowing how much auto insurance coverage is needed can save drivers on auto insurance fees in the long-run. Different states require different coverage amounts in areas such as medical expenses. Most insurance providers will automatically default to amounts at or above these minimums when providing insurance quotes. Whether or not drivers own or make payments on their vehicles also makes a difference on the amount of coverage required. Vehicles owned outright have more insurance options available for their drivers than vehicles still owned by the bank. Drivers can begin with the minimum coverage required and add on to that minimum as they deem necessary.

Will homeowners cover damage to non owned golfcart if you damage it?

Homeowners insurance is coverage for specified property owned by the named insured. It does not cover the property of others.

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Your personal auto coverage will not cover their vehicles. What they are probably asking for is to make sure you have coverage in case you drive your vehicle on errands or such for the company. If you go to the post office to get the company mail your personal auto insurance will be the primary insurance and then if they have an endorsement to their insurance called "hired and non-owned auto" it will provide secondary coverage over and above your coverage to protect them in case of an accident. Their coverage insists that you as the employee have primary insurance on your vehicle. Also note that the company insurance will not pay for damage to your vehicle.

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If your policy contains sewer back up coverage and business owned property coverage. The policy should according to its terms and coverages cover your claim.

What does commercial auto cover?

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