Q: Is it possible to get insurance for a driver only and not the car?
A: Yes, actually it is possible to get a car insurance policy just for you as a driver, even if you don’t have a vehicle. It’s called “non-owner car insurance policy”.
A non-owner policy works a bit differently than a regular car insurance policy as there is only a driver listed and no vehicle. This allows the coverage to follow the driver for any vehicle he or she may drive. It is also different as it does not provide all of the coverages that are usually available on regular policy. The focus of coverage for a non-owner car insurance policy is bodily injury liability coverage and property damage liability coverage for if you cause damages to another person or their property.
The other coverages (comprehensive, collision, rental, towing, etc.) are not available on these policies as there is no vehicle attached to the policy to provide these coverages for. The damages that may be done to the vehicle you are driving, but do not own, are covered under the policy that the owner has on that vehicle. The same goes for if that vehicle needs a tow or if the owner now needs a rental car after you get into an accident with their vehicle.
Non-owner car insurance policies are great for if you are going without a vehicle for a little bit and still want to maintain a continuous car insurance history or if you are in need of an SR-22 and your current car insurance company does not provide them.
For more information about a non-owners car insurance policy contact your car insurance agent.