If you don’t own a car but want to be insured for occasional driving of rented and borrowed cars, you can buy a “non-owner” policy. Before you buy one, make sure you understand that these policies typically will not cover you if you’re driving a car for businesses purposes or a car that’s owned by a relative or member of your household. Here is an example of the exclusionary language:

More suggested reading: 

Speak UP: How to communicate with your insurance company

Sample letter requesting information about claim denial

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