What is a Named Operator Insurance Policy

non owner

A named operator policy, also known as a named driver auto policy or operator-only car insurance policy, is a type of auto insurance policy that provides coverage for a specific individual, known as the named operator or named insured, when driving vehicles they do not own. This type of policy is commonly used by individuals who live in households where they do not own a vehicle but frequently operate cars owned by other household members or rent vehicles.

Key features of a named operator policy include:

  1. Named Operator: The policyholder is specifically named in the insurance policy as the insured driver. The coverage applies only when the named operator is driving a vehicle.
  2. Liability Coverage: The policy typically provides liability coverage, which pays for bodily injury and property damage that the named operator is legally responsible for in the event of an accident while driving a vehicle they do not own.
  3. Non-Ownership: The named operator does not own any vehicles covered by the policy. This means the policy does not provide coverage for vehicles owned or regularly used by the insured.
  4. Coverage Extension: The policy may extend coverage to rental vehicles or vehicles borrowed from non-household members, but it's essential to review the policy terms and any limitations or exclusions.
  5. SR-22 Filing: If required by the state due to a license suspension or other violation, the named operator policy can include an SR-22 filing, which certifies that the policyholder has the required minimum insurance coverage.

Named operator policies are suitable for individuals who need insurance coverage but do not own a vehicle. They ensure compliance with state insurance requirements while providing liability coverage for driving vehicles they do not own. It's important for individuals considering a named operator policy to review the terms and conditions carefully and consult with an FR44 & SR22 Insurance Experts to ensure the policy meets their needs and provides adequate coverage.