A named operator policy is a special type of auto insurance policy for people who need to have auto insurance liability coverage but don’t have a vehicle to insure. A named operator policy offers liability coverage, medical payments coverage, and uninsured motorist bodily injury coverage just like a regular auto insurance policy does. However, it does not offer comprehensive or collision coverage, since there is no vehicle to insure.
You may be wondering why someone without a vehicle would need auto insurance… You would be surprised.
Reasons someone would need a named operator insurance policy:
Other things to keep in mind about a named operator policy:
What happens if I buy a Named Operator policy and then buy a vehicle shortly afterwards?
No problem! If you buy a vehicle while having a Named Operator policy, all it takes is a 5 minute phone call to your agent. A Named Operator policy will automatically convert to a regular auto insurance policy once you call your agent and add your vehicle to the policy. Just be sure to make that change before you drive your new vehicle.
Click Here to get a Named Operator Auto Insurance Quote.