Non-owner auto insurance is a type of insurance coverage designed for individuals who don't own a vehicle but still want liability coverage when they drive. Here are key points about non-owner auto insurance: 

1. Liability Coverage: Non-owner auto insurance primarily provides liability coverage. It helps cover bodily injury and property damage expenses if you cause an accident while driving a borrowed or rented vehicle. This coverage typically includes medical expenses, legal fees, and damages to others' vehicles or property. 

2. Exclusions: Non-owner auto insurance does not cover damage to the vehicle you are driving, as it is not considered your property. It also does not typically provide coverage for vehicles you own or vehicles regularly available to you for personal use. It is important to note that non-owner auto insurance is not a substitute for a regular auto insurance policy if you own a vehicle. 

3. Legal Requirement: Non-owner auto insurance may be required by some states if you have had a suspended license or have certain driving violations. It helps fulfill the state's financial responsibility requirements even if you don't own a vehicle. 

4. Rental Cars: Non-owner auto insurance can be helpful when renting a car. It can provide liability coverage in addition to any insurance offered by the rental car company, potentially reducing or eliminating the need to purchase their coverage. 

5. SR-22 Filings: If you are required to file an SR-22 form to reinstate your driver's license, non-owner auto insurance can fulfill this requirement. An SR-22 verifies that you have the minimum liability insurance required by your state. 

6. Cost and Coverage Limits: Non-owner auto insurance is typically less expensive than traditional auto insurance since it provides limited coverage. The cost varies based on factors such as your driving history, the coverage limits you choose, and the state you reside in. 

Non-owner auto insurance is a viable option for individuals who frequently borrow or rent vehicles and want liability coverage while driving. However, it's important to consult with an insurance provider to understand the specific terms, conditions, and coverage limits of non-owner auto insurance policies available to you. 

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