What type of coverage do "Non-owned vehicles" provide?

"Non-owned vehicles" coverage refers primarily to liability coverage, which protects the insured against claims made by others for bodily injury or property damage caused by the insured while driving a vehicle that they do not own. This type of coverage becomes crucial when an individual operates a vehicle that is borrowed, rented, or otherwise not their own.

In this context, liability coverage ensures that if an accident occurs while using a non-owned vehicle, the insurer will cover the damages that the insured is legally responsible for, thereby protecting both the driver and the vehicle owner's interests. This is especially important because personal auto policies often do not cover incidents that occur while driving non-owned cars unless specified.

Understanding this aspect of coverage allows individuals and adjusters to grasp the importance of liability protections in various driving situations, emphasizing the necessity of comprehensive insurance knowledge in the field of automobile adjustment.