What is covered?
Our driving insurance (also known as non-owned auto coverage) follows you as the driver of rented or borrowed cars for personal use. That means you’re covered when you borrow a car from a friend, rent a traditional rental car, or use a car sharing service such as Zipcar, Turo or Getaround. We cover expenses related to injuries and property damage you cause to others or lawsuits that arise from being found at-fault. We also cover your injuries caused by another driver who is at fault and has no insurance or too little insurance. We do not cover any damage to the vehicle you've rented or borrowed.
Additionally, we cover injuries to you or lost wages resulting from an accident. Finally, we provide protection to you while walking or biking for injuries and lost wages if you're struck by a driver with no insurance or too little insurance (including hit and run).
What is not covered?
Our non-owned auto coverage does not cover any damage or injuries related to a crash in a vehicle you own - you need regular car insurance for that.
Our non-owned auto insurance also does not cover damage to the car that you’ve borrowed or rented. So, if you borrow a car, check to make sure the owner has collision and comprehensive coverages on their own car insurance - that's what will cover damage to their vehicle, even if you're driving it. For a rented or shared car, check with the company you are renting from. You can usually add coverage for just the car pretty cheaply (remember - you don't need their overpriced liability coverage if you have non owned auto with Surround). If you have a premium credit card, you may also have rental car physical damage as a credit card benefit (also called Collision Damage Waiver) when you use your card to pay for the rental. Check with your rental car company to be sure.
How much coverage do I get?
With Surround Core you are covered up to $100,000 for injuries or damage to other's property you cause while driving. You will also be covered up to $100,000 for injuries to you that are caused by another driver who is at fault and has no insurance or too little insurance.