A Valentine’s Day Safety Reminder from The Wilhite Law Firm
Valentine’s Day is about love—loving your partner, your family, and the people who depend on you. It’s dinners out, rideshares across town, weekend getaways, and late-night rides home.
But here’s something many people don’t realize:
💔If you’re injured in a car accident and don’t own a vehicle, you may still be unprotected.
Accidents are stressful enough. The aftermath can be even worse if you didn’t take steps to protect yourself and the people you love from medical bills, lost income, and insurance disputes.
The good news? You can protect yourself even if you don’t own a car. That protection comes from Non-Owner Car Insurance.
What Is Non-Owner Car Insurance?
Non-owner car insurance is an auto policy that follows the person—not the vehicle. It’s designed for people who don’t own a car but still use vehicles regularly.
This coverage is ideal if you:
- Use rideshare services
- Rent or borrow cars
- Share a vehicle with a partner
- Are between cars
- Want continuous personal protection
A non-owner policy may include:
- Liability coverage
- Uninsured/Underinsured Motorist Coverage (UM/UIM)
- Medical Payments Coverage (MedPay)
It doesn’t cover damage to the car—but it does protect you, which is what matters most after a crash.
Why This Matters—Especially Around Valentine’s Day
❤️ Rideshare drivers may not have proper coverage. Many drivers have insurance gaps or haven’t disclosed rideshare driving to their insurer.
💔Rideshare claims are increasingly disputed. Insurance companies often argue over app status and coverage limits, delaying compensation.
❤️ Corporations protect profits—not people. Non-owner insurance helps you take control and protect your loved ones, no matter whose car you’re in.
How to Protect Yourself (and the Ones You Love)
✔ Carry a policy that covers you, not just the car
✔ Medical Payments Coverage (MedPay) for emergency care
✔ Uninsured/Underinsured Motorist Coverage (UM/UIM) to protect you when the at-fault driver doesn’t have enough insurance
UM/UIM is especially important—it can help cover medical bills, lost wages, childcare, and long-term impacts from serious injuries.
How Much Does Non-Owner Car Insurance Cost?
Protecting yourself is often more affordable than people expect.
- Average annual cost: $400–$600
- Monthly cost: typically $10–$50 per month
For many people, it costs less than a Valentine’s dinner—but protects you all year long.
This Valentine’s Day, Protect What Matters Most
At The Wilhite Law Firm, we believe love means planning ahead—especially when something unexpected happens.
If you’ve been injured in a car or rideshare accident, or want to understand your insurance options before something goes wrong, we’re here to help.
Because protecting the people you love is always worth it. ❤️
