Car insurance for non-homeowners offers an affordable coverage option for Missouri drivers who don't own a car. Car insurance for non-homeowners has the state's minimum coverage limits for liability insurance and includes additional basic coverage requirements recommended by the state. Missouri requires that vehicle owners and drivers carry proof of insurance in their cars. If you are stopped for a traffic violation or are involved in an accident, a law enforcement officer can issue you a traffic ticket if you can't provide proof of insurance.
Missouri law requires all vehicle owners and drivers to maintain liability insurance and coverage for uninsured motorists. If you don't agree with their assessment, you should consult an attorney or turn the matter over to your own insurance company to handle your collision coverage. For example, if you don't have a car and you have to drive a particular friend's vehicle for your daily commute, you might be able to convince the insurance company that you have a stake in the car. Learn more about how an attorney can help you with your car accident claim and how to find the right lawyer.
Geico is the only company that allows you to combine a non-homeowners policy with homeowners or renters insurance for a discount. Coverage for people outside the owner is less expensive than policies that cover a vehicle, but since there is no car to insure, you are the main factor that determines your rate. We have the authority to determine if the insurer conducted a full investigation before determining fault. This means that you have a financial stake in the vehicle and will suffer a loss if anything happens to it, which reduces the risk of committing insurance fraud.
In other words, if you lend your car to someone and that person causes an accident, your liability insurance must pay for damages to the other driver and his passengers. Your insurance company may only be required to pay the lowest estimate; therefore, you will be responsible for any additional costs. Geico's non-homeowners car insurance offers liability insurance to cover other people's expenses if you're responsible for an accident. Non-homeowner coverage may not be as easy to find as traditional policies, but all of the following insurance companies offer insurance for people who are not homeowners in Missouri.
The Missouri Department of Commerce and Insurance does not have the authority to decide issues of fault in an accident. For example, if you rear-end collide with another car at a stop sign, your liability coverage will pay for the injuries and damage you cause. If you disagree with the insurer's assessment of fault, you should ask the courts to rule on the matter or to deal with your claim under your own insurance policy.
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