What is the purpose of Named Non-owner Coverage?

Named Non-owner Coverage is designed specifically for individuals who do not own a vehicle but still drive. This type of insurance provides liability coverage for drivers who may use borrowed or rented cars. It is particularly beneficial for those who may rely on public transportation or share vehicles but still want protection in case of an accident. This coverage helps address gaps that may arise for drivers who are frequently behind the wheel without a personal vehicle, ensuring that they remain protected in various driving scenarios.

The other options do not accurately represent the scope of Named Non-owner Coverage. For example, it is not limited to personal vehicles or expressly for rental vehicles; rather, it encompasses any use of vehicles that the insured might operate. Additionally, it doesn't pertain to the quality of a driver's record, making the focus squarely on the driving activity without vehicle ownership.