Can I Get Auto Insurance Without A Car? 
Let me add one other use for Non Owned liability coverage . You work in an occupation where the owner of the business is also the owner of the vehicle you use on a regular basis . Non owned vehicle coverage can play an important role in protecting you . Keep in mind that your employer buys coverage to protect his/her interest not yours . If you own an auto , and are faced with an employer providing basic coverage then it is called Extended Non Owned Liability coverage . If you do not own any car then it is referred to as Non Owned Liability Coverage -LRB- not Extended at that point -RRB- Non owned coverage can be a very valuable way of protecting you , your family or guest passengers in your car . Most large employers are not concerned with Uninsured Motorist or Underinsured Motorist Coverage . But you should be . In about 14 % of all wrecks the adverse driver who causes the wreck will have no insurance . so now you need the protection of uninsured and under insured motorist coverage which is not something your employer worries about -LRB- its your life not his or hers -RRB- so , be sure you buy a non owned liability policy in these circumstances and match the UM and UIM limits with your liability limit of coverage 