The Definitive Guide to Non-Owner Auto Insurance in North Carolina: A 2025 Market Analysis and Cost-Saving Strategy

Executive Summary

Identifying the cheapest non-owner auto insurance in North Carolina is a nuanced task, as the most affordable provider is highly dependent on the driver’s specific profile. For a standard driver with a clean driving record and good credit, this analysis finds that Nationwide consistently offers the most cost-effective policies, with average annual premiums ranging from $261 to $281.¹ However, for high-risk drivers who are state-mandated to file an SR-22 certificate of financial responsibility, the market leader for affordability shifts decisively to

Auto-Owners Insurance, with an average annual premium of approximately $500.¹

A critical factor impacting all North Carolina drivers is the comprehensive auto insurance reform set to take effect on July 1, 2025. This legislation will enforce significantly higher minimum liability limits—increasing from the current 30/60/25 structure to a more robust 50/100/50—and will mandate the inclusion of Uninsured/Underinsured Motorist (UM/UIM) coverage on all policies.⁴ While these changes are expected to lead to premium increases across the board, they will also substantially enhance the financial protection afforded by all auto policies, including non-owner insurance.

This report presents a comprehensive framework for navigating the North Carolina non-owner insurance market. It moves beyond a superficial price comparison to integrate crucial qualitative factors, including the financial stability of insurers as measured by AM Best ratings and customer service performance indicated by J.D. Power scores and NAIC complaint data. The analysis is designed to empower consumers to select a policy that is not only affordable but also financially reliable and fully compliant with the state’s evolving legal landscape.

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Deconstructing Non-Owner Auto Insurance: A Foundational Guide

Core Function: Liability Protection for the Driver, Not the Vehicle

A non-owner auto insurance policy is a specialized form of coverage designed for individuals who do not own a vehicle but drive on a regular or occasional basis by borrowing or renting cars.⁷ The fundamental purpose of this policy is to provide the insured individual with

liability coverage. This coverage financially protects the policyholder if they are deemed legally responsible for an accident that results in bodily injury or property damage to another party.⁸

A defining characteristic of this insurance is that the policy is attached to the driver, not to a particular vehicle. This means the liability protection follows the insured person, offering coverage regardless of which eligible car they are operating, subject to the policy’s terms and conditions.⁸

The Role of Secondary Coverage

In nearly all scenarios, non-owner insurance functions as secondary coverage.⁹ When an accident occurs while the policyholder is driving a borrowed vehicle, the primary insurance policy belonging to the vehicle’s owner is the first to respond. The non-owner policy activates to cover liability costs that surpass the limits of the owner’s primary insurance, up to the maximum limits of the non-owner policy itself.¹²

For instance, if a driver with a non-owner policy causes an accident resulting in $40,000 of property damage while operating a friend’s car, and the friend’s policy has a property damage limit of $25,000, the non-owner policy would be responsible for covering the remaining $15,000 balance.¹² This structure highlights the policy’s role as a crucial financial backstop against high-cost liability events.

Standard Inclusions: What Your Policy Typically Covers

A standard non-owner policy is built around liability protection but often includes or offers other valuable coverages:

• Bodily Injury Liability (BI): This is the core component, covering the medical expenses, lost wages, and legal fees for individuals injured in an accident for which the policyholder is at fault.¹¹
• Property Damage Liability (PD): This covers the costs to repair or replace another person’s vehicle or other property (such as a fence or building) that the policyholder damages in an at-fault accident.¹¹
• Uninsured/Underinsured Motorist (UM/UIM): Many insurers include or offer UM/UIM coverage on non-owner policies. This is a vital protection that covers the policyholder’s own injuries and, in some cases, property damage if they are involved in an accident caused by a driver who has no insurance or insufficient insurance to cover the damages.⁸
• Medical Payments (MedPay) or Personal Injury Protection (PIP): Depending on the insurer and state regulations, these coverages may be available as optional add-ons. They help pay for the medical expenses of the policyholder and their passengers, typically regardless of who was at fault in the accident.⁸

Critical Exclusions: Understanding the Gaps in Coverage

It is imperative for consumers to understand what a non-owner policy does not cover, as these exclusions are significant:

• Damage to the Driven Vehicle: A non-owner policy does not provide collision or comprehensive coverage. It will not pay for any damage to the vehicle the policyholder is borrowing or renting.⁹ When renting a car, this coverage gap must be addressed by either purchasing the rental company’s Collision Damage Waiver (CDW) or through benefits provided by a premium credit card.¹⁰
• The Policyholder’s Own Injuries: The liability portion of the policy is designed to cover others’ injuries. It does not cover the policyholder’s own medical bills if they are at fault.⁹ This is the gap that optional MedPay or PIP coverage is designed to fill.
• Personal Belongings: Any personal items that are damaged within or stolen from the vehicle are not covered by the non-owner policy.⁸
• Business-Related Use: Using a vehicle for commercial activities, such as making deliveries or driving for a rideshare service, is almost always excluded from a personal non-owner policy. A business requires a separate commercial policy known as “hired and non-owned auto insurance” to cover employees using their personal vehicles for work-related tasks.⁸

Who is the Ideal Candidate for a Non-Owner Policy in North Carolina?

This type of policy is a strategic financial tool for several specific profiles:

• Frequent Car Renters: Maintaining a non-owner policy can be substantially more economical than repeatedly purchasing liability coverage from rental car agencies.¹
• Frequent Car Borrowers: Individuals who often borrow vehicles from friends or family members with whom they do not reside gain essential secondary liability protection and peace of mind.¹
• Users of Car-Sharing Services: A non-owner policy can provide liability limits that are higher and more comprehensive than the basic coverage offered by services like Zipcar.¹⁰
• Drivers Needing License Reinstatement (SR-22 Filers): For individuals who do not own a vehicle but are required by the state to file an SR-22 certificate to reinstate their driving privileges, a non-owner policy is often the most affordable method to meet this legal requirement.¹
• Individuals Seeking to Avoid Coverage Gaps: For those who are temporarily between vehicles, a non-owner policy is an effective way to maintain continuous insurance history. This prevents a “lapse in coverage,” which insurers view as a higher risk, often leading to significantly higher premiums when a standard policy is purchased later.¹²

Who Should Not Get a Non-Owner Policy?

Conversely, a non-owner policy is inappropriate for certain individuals:

• Vehicle Owners: Anyone who owns a vehicle registered in their name must purchase a standard owner’s auto insurance policy.¹²
• Drivers with Regular Access to a Household Vehicle: If an individual lives with someone—be it a family member or a roommate—and has regular access to their vehicle, insurance companies will mandate that they be listed as a driver on that person’s policy. Attempting to purchase a non-owner policy in this situation is typically not permitted, as the risk is tied to the specific, regularly-accessed vehicle.⁸
• Extremely Infrequent Drivers: For someone who drives only once or twice per year, the annual cost of a policy may not provide sufficient value.¹⁰

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The North Carolina Regulatory Landscape: Navigating a Market in Transition

Current State-Mandated Insurance Requirements (Effective until June 30, 2025)

Under current North Carolina law, all vehicles with a valid state registration must be covered by continuous liability insurance issued by a provider licensed to do business in the state.²² The minimum liability limits that policies must meet are:

• $30,000 for Bodily Injury liability per person
• $60,000 for total Bodily Injury liability per accident
• $25,000 for Property Damage liability per accident

This is commonly referred to as a 30/60/25 coverage structure.² In addition to liability, state law also requires Uninsured Motorist (UM) coverage at the same 30/60/25 limits.² Underinsured Motorist (UIM) coverage, however, is not currently mandatory for policies that only carry these minimum limits.⁴

Special Analysis: The July 1, 2025, Legal Overhaul

North Carolina’s auto insurance market is on the cusp of a major transformation. Landmark legislation, including Senate Bills 452 and 319, will enact sweeping changes for all new and renewing policies effective July 1, 2025.⁴ These reforms significantly strengthen consumer protections but will also impact premiums.

New, Higher Minimum Liability Limits: The state-mandated minimums will increase substantially:

• $50,000 for Bodily Injury per person (a 67% increase)
• $100,000 for total Bodily Injury per accident (a 67% increase)
• $50,000 for Property Damage per accident (a 100% increase)

These new 50/100/50 limits are designed to provide more adequate financial protection in the face of rising medical costs and vehicle repair expenses.⁴

Mandatory Underinsured Motorist (UIM) Coverage: Perhaps the most significant change is that UIM coverage will become a mandatory component of all auto policies, including those at the minimum level. This coverage will be required to match the new 50/100/50 liability limits.⁴

Elimination of UIM “Setoff”: The new law introduces a powerful pro-consumer change by eliminating the UIM “setoff.” Previously, if an at-fault driver’s insurance paid out its limit, that amount would be subtracted from the victim’s own UIM policy payout. Under the new law, a victim can collect the full liability payment from the at-fault driver in addition to the full limit of their own UIM policy, which dramatically increases the potential for full financial recovery after a serious accident.⁵

This change fundamentally alters the value proposition of a non-owner policy. While the higher primary liability limits on all cars might seem to lessen the need for secondary coverage, the newly empowered UIM coverage creates a compelling reason to have a non-owner policy. It transforms the policy from a purely defensive tool (protecting your assets when you are at fault) into a powerful offensive one (protecting you and your health from another driver’s inadequate insurance). A non-owner policy with its own UIM coverage can now provide a vital, stackable layer of protection for the policyholder.

Longer Surcharges: The law also extends the financial consequences of certain driving infractions. The premium surcharge for inexperienced drivers (those first licensed on or after July 1, 2025) will now apply for eight years instead of three. For more serious violations that accrue four or more insurance points, the surcharge period is extended from three years to five.⁴

The SR-22 Mandate: A Guide for High-Risk Drivers

An SR-22 is not a type of insurance itself. It is a certificate of financial responsibility that an insurance company files with the North Carolina Division of Motor Vehicles (NCDMV) on a driver’s behalf.¹ This filing serves as proof that the driver is maintaining the state’s minimum required liability insurance. It is typically mandated by a court or the NCDMV for drivers convicted of serious violations, such as a DUI/DWI, driving without insurance, accumulating excessive traffic violations, or having their license suspended.¹³

For individuals who are required to file an SR-22 but do not own a vehicle, a non-owner SR-22 insurance policy is the specific product designed to meet this legal obligation.¹⁷ The requirement to maintain an SR-22 filing usually lasts for three years. It is critical to maintain continuous coverage during this period, as any lapse will cause the insurer to notify the NCDMV, likely resulting in another license suspension and a reset of the three-year requirement.¹⁷ The administrative fee charged by the insurer to file the SR-22 is typically between $25 and $50.¹

Proving Compliance: NCDMV Documentation Requirements

When applying for or reinstating a North Carolina driver’s license, individuals must provide physical, printed proof of insurance. The NCDMV does not accept digital or electronic copies on a mobile device.²⁷ The insurance must be issued by a company licensed to operate in North Carolina.²²

The following documents are accepted by the NCDMV as valid proof of insurance:

• A valid insurance card showing the policyholder’s name, policy number, and effective and expiration dates.
• The declarations page of the insurance policy.
• A Form DL-123, which is a specific certificate of insurance provided by the insurer.
• A Form FS-1, which is filed electronically by an insurer directly with the NCDMV, typically to prove that a lapse in coverage has been resolved.²²

Table 3.1: North Carolina Auto Insurance Minimums: Current vs. Post-July 1, 2025

Coverage Type

Bodily Injury (per person)

Bodily Injury (per accident)

Property Damage (per accident)

Uninsured Motorist (UM)

Underinsured Motorist (UIM)

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Comprehensive Cost Analysis: Finding the Cheapest Policy for You

Market-Wide Rate Comparison & Data Reconciliation

The average cost of non-owner car insurance in North Carolina shows some variance across different market analyses, with average annual premiums cited anywhere from $470 ($39 per month) to $624 ($52 per month).² This variation stems from the different methodologies, data sources, and sample driver profiles used by rating agencies.² Factors such as the assumed age, driving record, credit history, and specific location of the sample driver can lead to different overall state averages.

Despite these discrepancies, the data consistently shows that a non-owner policy is substantially more affordable than a traditional owner’s policy. The savings can range from 5% to 15% or even more, as the policy does not need to cover the physical value of a specific vehicle.¹⁰ This report synthesizes data from multiple reputable sources to present a balanced and reliable cost overview. However, it must be emphasized that these are averages; only a personalized quote can provide an exact price.

Price Segmentation by Driver Profile

The cost of a non-owner policy is not uniform. It changes dramatically based on the driver’s risk profile.

The Standard Driver (Clean Record, Good Credit)

For a typical adult driver with a clean record and good credit, the market is highly competitive.

• Nationwide consistently emerges as the most affordable provider in North Carolina, with average annual rates reported between $261 ($22 per month) and $281 ($24 per month).¹
• State Farm is another top-tier affordable option, with rates close to $285 per year ($24 per month).²³
• North Carolina Farm Bureau, a local provider, is also highly competitive at approximately $324 per year ($27 per month).²³
• Other national carriers such as GEICO, Progressive, and Allstate are consistently priced higher for this specific driver profile in North Carolina.¹

The High-Risk Driver (Needing an SR-22)

The pricing landscape shifts entirely for drivers who require an SR-22 filing. Premiums are inherently higher due to the driving history that necessitates the filing.¹⁷ In this segment, the cost leaders are different.

• Auto-Owners Insurance is the clear price champion for non-owner SR-22 coverage in North Carolina, with an average annual rate of $500 ($42 per month).¹
• This rate is significantly lower than its competitors, including State Farm ($618), GEICO ($740), and especially Progressive ($1,220).¹

This data reveals a crucial market reality: a company’s national marketing focus does not always align with its local price competitiveness. For example, Progressive markets itself nationally as a specialist for high-risk drivers and SR-22s.³⁰ However, in the North Carolina non-owner market, it is one of the most expensive options. A consumer cannot rely on brand reputation alone and must compare state-specific quotes.

The Young Driver (Under 25)

Drivers under the age of 25 face the highest premiums for non-owner insurance. This is due to their limited driving experience, which insurers penalize with an “inexperienced operator surcharge”.⁴

• Rate data indicates an 18-year-old can expect to pay around $1,150 annually, while a 20-year-old might pay $1,170 annually.¹ These rates are more than twice the average for a 40-year-old driver.
• The legal changes effective July 1, 2025, which extend this surcharge period from three to eight years for newly licensed drivers, will have a long-term financial impact on this demographic.⁵

Geographic Rate Disparities: Urban vs. Rural

An individual’s place of residence is a primary factor in determining insurance premiums. Insurers use zip codes to assess risks associated with traffic congestion, accident rates, vehicle theft, and vandalism.¹³

• Major urban centers in North Carolina carry significantly higher premiums. Average annual non-owner rates in Charlotte can range from $555 to $1,301, while Raleigh sees rates between $517 and $1,146.¹
• In stark contrast, less populated and more rural areas offer much lower rates. For instance, towns like Boonville and State Road have average premiums around $402. Among the state’s largest cities, Winston-Salem is the most affordable at $457.²⁸ This quantifies the significant financial impact of location on insurance costs.

The Credit Factor: How Your Credit Score Impacts Premiums

In North Carolina, state law explicitly permits insurance companies to use a credit-based insurance score when calculating premiums.³² This practice is based on statistical data suggesting a correlation between a person’s credit history and their likelihood of filing an insurance claim.³⁴

• The effect on rates can be substantial. National studies show that drivers with poor credit may pay up to 95% more for coverage than those with good credit.³⁴
• However, North Carolina law provides an important consumer protection: an insurer cannot use a credit score as the sole reason to terminate a policy or to apply a “consent-to-rate” premium, which is a rate higher than what the state has officially approved.³²
• Furthermore, if an insurer takes an adverse action, such as charging a higher premium due to a consumer’s credit information, they are required by law to provide written notification explaining the action.³²

Table 4.1: Comparison of Cheapest Non-Owner Insurance Providers in NC (Standard Policy)

Insurance Provider

Nationwide

State Farm

NC Farm Bureau

GEICO

Progressive

Table 4.2: Comparison of Cheapest Non-Owner SR-22 Insurance Providers in NC

Insurance Provider

Auto-Owners

State Farm

GEICO

Travelers

Progressive

Table 4.3: Average Non-Owner Premiums by Major NC City vs. Rural Areas

Location Type

Major Urban Center

Major Urban Center

Major Urban Center

Cheapest Large City

Rural Example

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In-Depth Provider Evaluations: Beyond the Price Tag

Methodology for Evaluation

A truly valuable insurance policy is one that is not only affordable but also reliable. Therefore, providers in the North Carolina non-owner market are assessed using a multi-faceted approach based on three pillars:

1. Cost-Effectiveness: Utilizing the detailed price analysis from Section 4, segmented for both standard and high-risk (SR-22) driver profiles.
2. Financial Stability: Assessed via AM Best ratings, which gauge an insurer’s financial strength and its long-term ability to meet claim obligations. A rating of ‘A’ (Excellent) or higher is considered a strong indicator of reliability.¹
3. Customer Experience: Evaluated using J.D. Power customer satisfaction scores and the National Association of Insurance Commissioners (NAIC) Complaint Index. The NAIC index measures the ratio of complaints an insurer receives relative to its market share; a score below the baseline of 1.00 indicates fewer complaints than average and is preferable.²³ Anecdotal customer reviews provide additional qualitative context.⁴¹

Provider Profiles

Nationwide

• Cost: The definitive market leader for affordability for standard non-owner policies in North Carolina, with average annual rates of $261-$281.¹
• Financials: Holds an A+ (Superior) rating from AM Best, indicating excellent financial health and ability to pay claims.²³
• Service: Earns a solid J.D. Power score of 818 and maintains an NAIC complaint ratio of 0.64, both of which are better than the industry average and suggest reliable customer service.²³
• Verdict: The top recommendation for the average North Carolina driver seeking the optimal balance of low price and high-quality, dependable coverage.

State Farm

• Cost: Extremely competitive for standard drivers at around $285 per year. It is also a viable, though not the cheapest, option for drivers needing an SR-22, with an average rate of $618 per year.¹
• Financials: Boasts the highest possible AM Best rating of A++ (Superior), signifying maximum financial strength.¹
• Service: Achieves an exceptional J.D. Power score of 850 and has a low NAIC complaint ratio of 0.70.¹ The company is well-known for its vast network of local agents who provide personalized service.⁴⁵
• Verdict: An outstanding choice for consumers who prioritize best-in-class customer service and unparalleled financial stability and are willing to pay a marginal premium over the absolute lowest market price.

Auto-Owners Insurance

• Cost: The undisputed price leader for non-owner SR-22 insurance in North Carolina, with an average annual premium of just $500.¹
• Financials: Carries an A+ (Superior) rating from AM Best, demonstrating strong financial standing.³⁶
• Service: Consistently receives high marks in national analyses for its solid reputation and service quality.⁴⁴
• Verdict: The number one recommendation for any driver in North Carolina who is required to file an SR-22. The price advantage in this specific market segment is substantial.

North Carolina Farm Bureau

• Cost: A very affordable local option for standard drivers, with an average annual rate of $324.²³
• Financials: This is a point of caution. AM Best recently downgraded the company’s Financial Strength Rating to A- (Excellent) from ‘A’, citing increased losses related to weather events and rising reinsurance costs.⁴² While still a strong rating, a downgrade warrants consumer attention.
• Service: Presents a mixed picture. The company’s primary strength is its local presence, with agents in all 100 North Carolina counties.⁴⁷ Its J.D. Power score is rated “Above Average”.⁴⁸ However, customer reviews filed with the Better Business Bureau and other platforms frequently cite challenges with claims processing and agent communication.⁴²
• Verdict: A potentially budget-friendly choice for those who strongly prefer working with a local agent. However, prospective customers should weigh the attractive price against the mixed service reviews and the recent financial rating downgrade.

GEICO

• Cost: Tends to be in the mid-to-high price range for non-owner policies in North Carolina, with rates between $575 and $740 per year depending on the driver profile.¹
• Financials: Holds the top-tier A++ (Superior) rating from AM Best.¹
• Service: Its J.D. Power score of 820 is strong ¹, and it is recognized for its excellent digital platform and mobile app.³⁰ Some analyses, however, note that its customer service ratings can be slightly below average compared to top competitors.³⁰
• Verdict: A financially robust company with great online tools, but it is not a price leader for non-owner insurance in the North Carolina market.

Progressive

• Cost: Not a competitive option in North Carolina. Rates for standard policies are high ($543-$711 per year), and its rate for SR-22 policies is exceptionally expensive at $1,220 per year.¹
• Financials: Carries a strong A+ (Superior) rating from AM Best.²³
• Service: Nationally recognized as a specialist in handling SR-22 filings and providing tools for high-risk drivers.³⁰
• Verdict: Despite its national brand positioning, Progressive’s pricing for non-owner policies in North Carolina is not competitive based on available rate data.

Table 5.1: Insurer Quality Scorecard: Price vs. Service

Insurance Provider

Nationwide

State Farm

Auto-Owners

NC Farm Bureau

GEICO

Progressive

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Strategic Recommendations and Action Plan

A Step-by-Step Guide to Securing Your Policy

1. Confirm Eligibility: First, meticulously review the criteria outlined in Sections 2.5 and 2.6. It is essential to confirm that you do not own a vehicle and, critically, that you do not have regular, unimpeded access to a vehicle owned by someone in your household. Insurers are strict on this point, and misrepresentation can lead to denial of a claim.¹³
2. Gather Necessary Information: To expedite the quoting process, have the following information ready: your valid North Carolina driver’s license number, a complete driving history (including any accidents or violations), and your Social Security Number, which is used to generate a credit-based insurance score. If an SR-22 filing is required, you will also need the case number provided by the court or NCDMV.¹
3. Determine Your Coverage Needs (Future-Proofing Your Policy): A common error is to purchase a policy that only meets today’s legal minimums. This will lead to a surprise premium increase or a non-compliant policy after the new laws take effect.

• Crucial Recommendation: When requesting quotes, specifically ask for a policy that meets the new July 1, 2025, minimum liability limits of 50/100/50. This proactive step provides a more accurate forecast of your long-term costs and ensures your policy remains compliant without interruption.⁴
• Given the enhanced value under the new law, it is highly advisable to ensure your policy includes robust Uninsured/Underinsured Motorist (UM/UIM) coverage and to consider adding Medical Payments (MedPay) coverage for comprehensive personal protection.

4. Shop and Compare Quotes: Non-owner policies are often considered a specialty product and may not be available through automated online quoting systems.

• The most effective method is to contact insurers directly by phone. Use the contact numbers for major providers to speak with an agent.²⁸
• Alternatively, consider engaging an independent insurance broker. A broker works with multiple insurance companies and can shop the market on your behalf to find the best rate for your specific circumstances.⁴¹

5. Purchase and Prove Coverage: After selecting the best policy, make the initial payment to bind coverage. Immediately request that the insurer provide you with a printed copy of your insurance card or, preferably, a Form DL-123. You will need this physical document to present to the NCDMV.²⁷ If you require an SR-22, explicitly confirm with the insurer that they will file the certificate electronically with the state on your behalf.¹⁷

Tailored Recommendations

For the Standard Driver with a Clean Record:

1. Begin the quoting process with Nationwide, as it is the most likely provider to offer the lowest premium.
2. Obtain a comparative quote from State Farm. The potential for a small price increase may be a worthwhile investment for access to their top-rated customer service and vast agent network.
3. Secure a third quote from North Carolina Farm Bureau, especially if having a dedicated local agent is a high priority.

For the High-Risk Driver Requiring an SR-22:

1. The first and most critical call should be to Auto-Owners Insurance. Their price advantage in the North Carolina SR-22 market is significant and should be the primary benchmark.
2. For due diligence, obtain a second quote from State Farm or GEICO to confirm the market pricing.
3. Do not make assumptions based on national advertising. Avoid spending time with providers like Progressive, whose national reputation as an SR-22 specialist does not translate to competitive pricing in North Carolina.

Final Checklist for North Carolina Consumers

Before finalizing a non-owner insurance purchase, verify the following:

• [ ] Does my quoted policy meet the upcoming 50/100/50 liability limits to ensure future compliance?
• [ ] Does my policy include Uninsured/Underinsured Motorist (UM/UIM) coverage for my own protection?
• [ ] Have I received a printed proof of insurance document (e.g., ID Card, Form DL-123) that is acceptable to the NCDMV?
• [ ] If I need an SR-22, has the insurance company confirmed that they will file it with the state for me?
• [ ] Do I fully understand that this policy will not cover physical damage to any car I am driving, whether borrowed or rented?

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