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Non-owner insurance policies are not your traditional auto insurance policies that cover a particular driver in a certain vehicle.  They are designed specifically for individuals who frequently drive even though they don’t have a car.  It’s not a full coverage plan, which includes comprehensive and collision coverages.   In Florida, this specific policy provides liability coverage to protect the property and bodily injuries of others if the non-owner policyholder is found liable in an auto accident.

Non-Owner Policy: An Auto Insurance Guide

To qualify for a non-owner policy in Florida, you must have a valid driver’s license and not own a vehicle.   A non-owner policy is good for drivers who frequently borrow a car from a friend or family member or drive a rental vehicle.  It provides the minimum amount of coverage required by the state with optional add-ons specific to the insurance carrier you choose. 

Here at Skyline Insurance LLC in Jacksonville, FL, we have industry-trained experts to help you make an informed decision concerning the construction of your non-owner policy. Non-owner policies aren’t mandatory for everyone but are very beneficial in many cases. 

Here are a few scenarios to consider when determining if you should purchase a non-owner policy:

• You use a car-sharing service that includes low liability limits and large deductibles you must pay after an accident.
• You don’t own a car but must still have proof of insurance because of a DUI or other violations.
• You regularly rent cars.  If you have a non-owner policy, you could possibly avoid the fees for insurance charged to you by the rental company.
• You have an employer-issued vehicle but often use it to run your personal errands. 
• You want to save money on future coverage when you purchase an automobile.  Maintaining continuous coverage may help you receive better rates.

Have Questions? Consult With Us

If you’d like to know more about a non-owner policy to ensure you’re adequately covered on the road, contact us at Skyline Insurance LLC in Jacksonville, FL.  We are glad to help. 

Traditional auto insurance policies have historically relied on general factors such as age, location, and driving record to determine premiums. However, with the advancement of technology, telematics and usage-based auto insurance have emerged as a more personalized and data-driven approach in and around the Jacksonville, FL area. 

The Power of Technology and Data

Telematics refers to the combination of telecommunications and information processing technology. In the context of auto insurance, telematics involves using devices installed in vehicles to collect and transmit data about driving behavior, such as speed, acceleration, braking, and mileage. This data is then analyzed to provide insights into an individual’s driving habits and risk profile.

Customized Premiums for Individual Drivers

Usage-based auto insurance, or pay-as-you-drive or pay-how-you-drive insurance, utilizes telematics technology to offer personalized premiums based on an individual’s driving behavior. By monitoring factors like speed, distance traveled, and time of day, insurance companies can assess risk more accurately and tailor premiums accordingly. Safe drivers with low mileage and responsible driving habits may be rewarded with lower premiums, while riskier drivers may face higher rates.

Incentives and Improved Safety

Telematics and usage-based insurance offer several benefits. First, they provide drivers with direct feedback on their driving habits, promoting safer and more responsible behavior behind the wheel. By encouraging safe driving practices, these programs reduce accidents and improve road safety. 

Balancing Benefits and Concerns

While telematics and usage-based insurance offer numerous advantages, privacy, and data security are valid concerns. Insurance companies must ensure that the data collected is securely stored, used only for insurance purposes, and comply with applicable data protection regulations. 

How Skyline Insurance LLC Can Help You

Here at Skyline Insurance LLC, we can answer all your questions concerning auto insurance. We assist the Jacksonville, FL region. Get in touch with us today. 

So, you’re planning a vacation away from Jacksonville, FL and want to rent a car. That’s great! But one of the questions you may have is whether or not your auto insurance policy covers the rental car. Or should you buy the insurance offered by the rental company? Skyline Insurance LLC so that you know what to do when the rental agency tries to sell you additional insurance for your rental car.

Your Auto Insurance May Cover You 

The answer depends on your auto insurance policy and where you are renting the car. Most auto insurance policies automatically extend coverage to any vehicle you rent in the United States (not including Puerto Rico or other U.S. territories). This means that if something happens while you’re using it, your auto insurance will cover the cost of repairs or replacement. The information will be in your policy documentation but call us if you’re unsure. We’ll be happy to check your policy and answer your questions. 

If You Need Supplemental Coverage 

If your standard auto policy does not provide enough coverage for your rental car, it may be worth looking into supplemental coverage from the rental company. This additional coverage usually covers any additional costs associated with an accident or theft that may occur while driving a rental car. Another option is to adjust your policy through Skyline Insurance LLC. This way, you don’t have to worry about additional fees whenever you travel.

We Are Here To Help

You are on vacation to relax – not worry about auto insurance. Contact Skyline Insurance LLC today so our experienced agents can review your policy with you to ensure you have the coverage you need in Jacksonville, FL. Then you can concentrate on having a great vacation.