Reader’s Question:

I would like to know how I could go about buying a non-owner’s car insurance policy in Louisiana?

Paul

New Orleans, LA

Hello there, Paul.

It’s good that you asked me this important question. First of all, you need to understand what the non-owner’s car insurance policy is essentially for. It can cover any damages that you may cause to someone’s property or body while driving a car which is not yours. This may include rented and borrowed cars. A non-owner’s car insurance policy is a kind of liability coverage which can help you sort out several insurance complications. You can easily have a non-owner’s car insurance policy if you have a commercial liability policy. You can just pay to add this on and you will be all set.

I can give you some tips on how you should go about purchasing your own non-owner’s car insurance policy. First of all, you better call several insurance companies and ask about obtaining a non-owner’s policy. Each and every state and insurance company invariably offers such a policy so you may not need to look specifically for companies that do in Louisiana.

Try to ask for information about the “Assigned Risk Program/Plan” offered to the insurance company by Louisiana. Such company should offer you a policy in accordance with the risk program and agents would rarely respond with a cold shoulder on this query. If you experience such, you can always complain since you are entitled to receive such coverage.