Had wreck driving with no insurance my car total but courts says that I have to get non driver insurance what is that?

Answer 1

Status as an insured on an auto policy is generally tied to a specific auto that is insured under the policy. That is, unless you are named on the policy as an authorized user of the vehicle, you will not have coverage.

Non-owners coverage is a type of auto insurance that "follows you", in that it provides coverage regardless of the car that you are driving, and which presumes that you do not own a vehicle. Since your car was "totalled", until and unless it is repaired and you get a "rebuilt title" for it, you fall into the category of not owning that vehicle any longer.