sharminlaw

What is A Non-Ownership/ "Drive Other Cars" Provision in Your Auto Insurance Policy?

If the insured's policy contains such a provision, then the insurance coverage will apply only if the insured is driving a vehicle in which heshe has no legal/equitable interest and drives the car only occasionally.  The reason for this provision is to cover vehicles that are occasionally used by the insured without having to pay a disproportionate increase in premiums.  If the insured has a vehicle he/she used sometimes that they own but have not declared on the policy, then there will likely be no coverage.

This provisions is aimed at preventing a family that owns 2 or more vehicles that may be used interchangeably from insuring only one vehicle on an individual family member.  When trying to decide if a vehicle  will be covered under the non-ownership provision, the insurance company will look at how substantial was the use of the non-owned vehicle.  If you are unsure about whether you will be covered after a West Palm Beach car accident, call a skilled Palm Beach County personal injury/auto accident attorney to help you determine your rights and potential coverage for your accident.