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.
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Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..