Pennsylvania Non-Owner Insurance: 15/30/5 Minimums and Tort Selection
Pennsylvania lets drivers choose full or limited tort — and that choice changes what a non-owner policy is worth after an injury.
Illinois Non-Owner Insurance: 25/50/20 Rules and Mandatory UM
Illinois requires uninsured motorist coverage on every policy — including non-owner policies. Minimum limits, filing rules and what the state verifies electronically.
Georgia Non-Owner Insurance: 25/50/25 Minimums and SR-22 Filings
Georgia requires 25/50/25 and accepts non-owner policies for drivers without a vehicle. What the state checks, what it costs, and where the…
New York Non-Owner Insurance: 25/50/10, PIP and the FS-20 Filing
New York requires liability, PIP and uninsured motorist coverage — and a non-owner policy has to satisfy all three. How the filing…
Florida Non-Owner Insurance: PIP, PDL and the No-Fault Trap
Florida is a no-fault state with a PIP requirement that applies even to drivers without a vehicle. What a non-owner policy must…
California Non-Owner Insurance: Requirements, Minimums and Real Costs
California’s 15/30/5 minimum is the lowest liability requirement in the country. Here is how a non-owner policy works around it, and where…
Texas Non-Owner Insurance: Minimum Limits, Filing Rules and Costs
What Texas actually requires from a driver who does not own a vehicle, what a non-owner policy must include, and how the…