Which coverage would be beneficial for a driver who frequently borrows cars from friends?

The selection of non-owner liability coverage is particularly beneficial for a driver who frequently borrows cars from friends. This type of coverage provides liability protection when the insured is driving a vehicle they do not own. It ensures that if the driver causes an accident while borrowing someone else’s car, they will have coverage for any damages or injuries that occur as a result of their actions. This can be crucial in protecting personal assets and minimizing out-of-pocket expenses associated with liability claims.

In contrast, while comprehensive and collision coverage can be valuable in other contexts, they are tied to specific vehicles that the insured owns. Comprehensive coverage protects against loss or damage due to events other than collisions, while collision coverage covers damage to a vehicle resulting from a collision. In cases where the driver is using borrowed vehicles, these coverages would not apply.

Medical payments coverage, on the other hand, is primarily focused on covering medical expenses for the insured and passengers resulting from an accident, regardless of who is at fault. This coverage may not fully address the liability concerns that arise when borrowing a vehicle. Thus, non-owner liability coverage is more suitable for a driver who frequently uses cars that do not belong to them.