What type of automobile coverage might a person need if he or she does not own a vehicle?

A named non-owner auto policy is designed specifically for individuals who do not own a vehicle but may still need car insurance coverage. This type of policy provides liability coverage when the insured is driving a vehicle that is not owned by them, which can be important for individuals who frequently rent cars or borrow vehicles from friends or family. It also offers protection against bodily injury and property damage to others in cases where the insured is at fault in an accident.

The other types of coverage listed do not appropriately suit the needs of someone who does not own a car. A personal auto policy is intended for individuals who own and drive their own vehicles, providing coverage for their specific vehicles. A commercial auto policy is designed for businesses and encompasses vehicles used for business purposes, which would not apply to someone without a vehicle. Comprehensive auto insurance, while covering a wide range of risks, typically requires the insured to own a vehicle that is insured—thus it does not apply to a non-owner situation.