As a personal injury attorney in Panama City, Florida, I all too often get calls asking for representation and learn that the driver of the car was not covered on the car owner's insurance policy. The typical pattern starts out innocently enough - a friend asks to borrow a car to go on a job interview or run to the store. A careless driver runs a red light or changes lanes without looking, and in the blink of an eye, an accident occurs.
Maybe the person who caused the accident has coverage, but the bodily injury coverage may not be adequate for the injuries sustained by the driver. We would next look at the host car owner's policy, sometimes finding that he/she did not carry uninsured or underinsured motorist coverage (which would provide to the injured driver more benefits than those of the at-fault driver's policy), possibly leaving the driver with out-of-pocket lost wages and medical bills.
When purchasing insurance coverage for the vehicle, the owner may not have been aware of the insurance coverage options or may have been concerned with the cost of the monthly premium. Regardless of the reason, the injured driver becomes the victim a second time. The first time, a victim of the at-fault driver. The second time, as a result of their not being enough insurance as described above. If the driver owned an insured vehicle of his/her own, it's possible the policy covering it will provide more coverage, but often that is not the case. How then can this driver get protection for the future? Better yet, how can you protect yourself from being in this unwanted situation?
Consider purchasing Non Car-owner Insurance. There are many limitations associated with this type insurance, so be sure to speak to your insurance agent to be clear about your needs and to get the coverage you need. Non Car-Owner insurance provides only liability coverage; it will not cover the damages - comprehensive or collision - sustained as a result of the car accident. It will protect you only when you are driving a vehicle in which you have no ownership of any kind, is not regularly available to you, and is not being used for a work related mission. To find out more, call your insurance agent.