{"id":176,"date":"2025-07-31T04:00:00","date_gmt":"2025-07-31T10:00:00","guid":{"rendered":"https:\/\/www.commercialoneinsurance.com\/blog\/?p=176"},"modified":"2025-07-14T11:31:20","modified_gmt":"2025-07-14T17:31:20","slug":"do-i-need-auto-insurance","status":"publish","type":"post","link":"https:\/\/www.commercialoneinsurance.com\/blog\/do-i-need-auto-insurance\/","title":{"rendered":"I don\u2019t own a car; do I need auto insurance?"},"content":{"rendered":"<p>At Commercial One Insurance Service in Burlingame, CA, we understand the importance of ensuring that every vehicle on the road is operated by an insured driver. Plus, in the state of California, that&rsquo;s the law. We have served many clients who had the unfortunate experience of being in an accident with someone without insurance and the headaches it caused.<\/p>\n<p>We have also heard stories from individuals who were operating a vehicle without adequate coverage to pay for others&#8217; vehicle damage and bodily injuries, and the hardships that came with it. Some of these individuals didn&rsquo;t have insurance because they didn&rsquo;t own a car themselves and saw no need for auto coverage. However, if you are operating a borrowed vehicle, you should consider carrying insurance to protect yourself financially in case of an accident.<\/p>\n<h2>Non-Owner Policy<\/h2>\n<p>If you don&rsquo;t own a car, you can still benefit from a non-owner auto insurance policy. This type of policy provides liability coverage no matter what vehicle you operate, whether you borrow a vehicle from a family member, friend, or rent a car. Additionally, this type of policy can be useful if you need to file an SR-22 form with the state due to certain past traffic violations.<\/p>\n<p>A non-owner policy will not cover the car you are operating, but follows you and protects you against liability for damages to someone else&#8217;s car or bodily injuries if you are responsible for the accident.<\/p>\n<h2>We Are Just a Phone Call Away!<\/h2>\n<p>If you don&rsquo;t own a car, you are not required to have auto insurance. However, if you operate a vehicle on the roadway, regardless of ownership, it&rsquo;s best to protect yourself financially with a non-owner policy. To learn more about auto insurance and non-owner options, we are just a phone call away. Contact us at Commercial One Insurance Service in Burlingame, CA, at (650) 652-9988.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>At Commercial One Insurance Service in Burlingame, CA, we understand the importance of ensuring that every vehicle on the road is operated by an insured driver. Plus, in the state of California, that&rsquo;s the law. We have served many clients who had the unfortunate experience of being in an accident with someone without insurance and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[7,8],"class_list":["post-176","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-burlingame-ca","tag-commercial-one-insurance-service"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"robots\" content=\"max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n\t<meta name=\"author\" content=\"admin\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.commercialoneinsurance.com\/blog\/do-i-need-auto-insurance\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.8\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Blog | Commercial One Insurance Service |\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"I don\u2019t own a car; do I need auto insurance? | Blog | Commercial One Insurance Service\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/www.commercialoneinsurance.com\/blog\/do-i-need-auto-insurance\/\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2025-07-31T10:00:00+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2025-07-14T17:31:20+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary\" \/>\n\t\t<meta name=\"twitter:title\" content=\"I don\u2019t own a car; do I need auto insurance? | Blog | Commercial One Insurance Service\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/do-i-need-auto-insurance\\\/#article\",\"name\":\"I don\\u2019t own a car; do I need auto insurance? | Blog | Commercial One Insurance Service\",\"headline\":\"I don\\u2019t own a car; do I need auto insurance?\",\"author\":{\"@id\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/author\\\/agentinsure\\\/#author\"},\"publisher\":{\"@id\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/#organization\"},\"datePublished\":\"2025-07-31T04:00:00-06:00\",\"dateModified\":\"2025-07-14T11:31:20-06:00\",\"inLanguage\":\"en-US\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/do-i-need-auto-insurance\\\/#webpage\"},\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/do-i-need-auto-insurance\\\/#webpage\"},\"articleSection\":\"Auto Insurance, Burlingame CA, Commercial One Insurance Service\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/do-i-need-auto-insurance\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/category\\\/auto-insurance\\\/#listItem\",\"name\":\"Auto Insurance\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/category\\\/auto-insurance\\\/#listItem\",\"position\":2,\"name\":\"Auto Insurance\",\"item\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/category\\\/auto-insurance\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/do-i-need-auto-insurance\\\/#listItem\",\"name\":\"I don\\u2019t own a car; do I need auto insurance?\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog#listItem\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/do-i-need-auto-insurance\\\/#listItem\",\"position\":3,\"name\":\"I don\\u2019t own a car; do I need auto insurance?\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/category\\\/auto-insurance\\\/#listItem\",\"name\":\"Auto Insurance\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/#organization\",\"name\":\"Blog | Commercial One Insurance Service\",\"url\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/author\\\/agentinsure\\\/#author\",\"url\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/author\\\/agentinsure\\\/\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/do-i-need-auto-insurance\\\/#authorImage\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/63993fa10bbcbeb19f0a00b83a2ed70faa51c8f2d478be68260ba2fbe92bf622?s=96&d=mm&r=g\",\"width\":96,\"height\":96,\"caption\":\"admin\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/do-i-need-auto-insurance\\\/#webpage\",\"url\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/do-i-need-auto-insurance\\\/\",\"name\":\"I don\\u2019t own a car; do I need auto insurance? | Blog | Commercial One Insurance Service\",\"inLanguage\":\"en-US\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/do-i-need-auto-insurance\\\/#breadcrumblist\"},\"author\":{\"@id\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/author\\\/agentinsure\\\/#author\"},\"creator\":{\"@id\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/author\\\/agentinsure\\\/#author\"},\"datePublished\":\"2025-07-31T04:00:00-06:00\",\"dateModified\":\"2025-07-14T11:31:20-06:00\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/\",\"name\":\"Blog | Commercial One Insurance Service\",\"inLanguage\":\"en-US\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.commercialoneinsurance.com\\\/blog\\\/#organization\"}}]}\n\t\t<\/script>\n\t\t<!-- All in One SEO -->\n\n","aioseo_head_json":{"title":"I don\u2019t own a car; do I need auto insurance? | Blog | Commercial One Insurance Service","description":"","canonical_url":"https:\/\/www.commercialoneinsurance.com\/blog\/do-i-need-auto-insurance\/","robots":"max-snippet:-1, max-image-preview:large, max-video-preview:-1","keywords":"","webmasterTools":{"miscellaneous":""},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.commercialoneinsurance.com\/blog\/do-i-need-auto-insurance\/#article","name":"I don\u2019t own a car; do I need auto insurance? | Blog | Commercial One Insurance Service","headline":"I don\u2019t own a car; do I need auto insurance?","author":{"@id":"https:\/\/www.commercialoneinsurance.com\/blog\/author\/agentinsure\/#author"},"publisher":{"@id":"https:\/\/www.commercialoneinsurance.com\/blog\/#organization"},"datePublished":"2025-07-31T04:00:00-06:00","dateModified":"2025-07-14T11:31:20-06:00","inLanguage":"en-US","mainEntityOfPage":{"@id":"https:\/\/www.commercialoneinsurance.com\/blog\/do-i-need-auto-insurance\/#webpage"},"isPartOf":{"@id":"https:\/\/www.commercialoneinsurance.com\/blog\/do-i-need-auto-insurance\/#webpage"},"articleSection":"Auto Insurance, Burlingame CA, Commercial One Insurance Service"},{"@type":"BreadcrumbList","@id":"https:\/\/www.commercialoneinsurance.com\/blog\/do-i-need-auto-insurance\/#breadcrumblist","itemListElement":[{"@type":"ListItem","@id":"https:\/\/www.commercialoneinsurance.com\/blog#listItem","position":1,"name":"Home","item":"https:\/\/www.commercialoneinsurance.com\/blog","nextItem":{"@type":"ListItem","@id":"https:\/\/www.commercialoneinsurance.com\/blog\/category\/auto-insurance\/#listItem","name":"Auto Insurance"}},{"@type":"ListItem","@id":"https:\/\/www.commercialoneinsurance.com\/blog\/category\/auto-insurance\/#listItem","position":2,"name":"Auto Insurance","item":"https:\/\/www.commercialoneinsurance.com\/blog\/category\/auto-insurance\/","nextItem":{"@type":"ListItem","@id":"https:\/\/www.commercialoneinsurance.com\/blog\/do-i-need-auto-insurance\/#listItem","name":"I don\u2019t own a car; do I need auto insurance?"},"previousItem":{"@type":"ListItem","@id":"https:\/\/www.commercialoneinsurance.com\/blog#listItem","name":"Home"}},{"@type":"ListItem","@id":"https:\/\/www.commercialoneinsurance.com\/blog\/do-i-need-auto-insurance\/#listItem","position":3,"name":"I don\u2019t own a car; do I need auto insurance?","previousItem":{"@type":"ListItem","@id":"https:\/\/www.commercialoneinsurance.com\/blog\/category\/auto-insurance\/#listItem","name":"Auto Insurance"}}]},{"@type":"Organization","@id":"https:\/\/www.commercialoneinsurance.com\/blog\/#organization","name":"Blog | Commercial One Insurance Service","url":"https:\/\/www.commercialoneinsurance.com\/blog\/"},{"@type":"Person","@id":"https:\/\/www.commercialoneinsurance.com\/blog\/author\/agentinsure\/#author","url":"https:\/\/www.commercialoneinsurance.com\/blog\/author\/agentinsure\/","name":"admin","image":{"@type":"ImageObject","@id":"https:\/\/www.commercialoneinsurance.com\/blog\/do-i-need-auto-insurance\/#authorImage","url":"https:\/\/secure.gravatar.com\/avatar\/63993fa10bbcbeb19f0a00b83a2ed70faa51c8f2d478be68260ba2fbe92bf622?s=96&d=mm&r=g","width":96,"height":96,"caption":"admin"}},{"@type":"WebPage","@id":"https:\/\/www.commercialoneinsurance.com\/blog\/do-i-need-auto-insurance\/#webpage","url":"https:\/\/www.commercialoneinsurance.com\/blog\/do-i-need-auto-insurance\/","name":"I don\u2019t own a car; do I need auto insurance? | Blog | Commercial One Insurance Service","inLanguage":"en-US","isPartOf":{"@id":"https:\/\/www.commercialoneinsurance.com\/blog\/#website"},"breadcrumb":{"@id":"https:\/\/www.commercialoneinsurance.com\/blog\/do-i-need-auto-insurance\/#breadcrumblist"},"author":{"@id":"https:\/\/www.commercialoneinsurance.com\/blog\/author\/agentinsure\/#author"},"creator":{"@id":"https:\/\/www.commercialoneinsurance.com\/blog\/author\/agentinsure\/#author"},"datePublished":"2025-07-31T04:00:00-06:00","dateModified":"2025-07-14T11:31:20-06:00"},{"@type":"WebSite","@id":"https:\/\/www.commercialoneinsurance.com\/blog\/#website","url":"https:\/\/www.commercialoneinsurance.com\/blog\/","name":"Blog | Commercial One Insurance Service","inLanguage":"en-US","publisher":{"@id":"https:\/\/www.commercialoneinsurance.com\/blog\/#organization"}}]},"og:locale":"en_US","og:site_name":"Blog | Commercial One Insurance Service |","og:type":"article","og:title":"I don\u2019t own a car; do I need auto insurance? | Blog | Commercial One Insurance Service","og:url":"https:\/\/www.commercialoneinsurance.com\/blog\/do-i-need-auto-insurance\/","article:published_time":"2025-07-31T10:00:00+00:00","article:modified_time":"2025-07-14T17:31:20+00:00","twitter:card":"summary","twitter:title":"I don\u2019t own a car; do I need auto insurance? | Blog | Commercial One Insurance Service"},"aioseo_meta_data":{"post_id":"176","title":null,"description":null,"keywords":null,"keyphrases":null,"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":null,"og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":null,"robots_max_videopreview":null,"robots_max_imagepreview":"large","priority":null,"frequency":null,"location":null,"local_seo":null,"breadcrumb_settings":null,"limit_modified_date":false,"ai":null,"created":"2025-07-31 10:28:28","updated":"2025-07-31 10:28:28","seo_analyzer_scan_date":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.commercialoneinsurance.com\/blog\" title=\"Home\">Home<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.commercialoneinsurance.com\/blog\/category\/auto-insurance\/\" title=\"Auto Insurance\">Auto Insurance<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\tI don\u2019t own a car; do I need auto insurance?\n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/www.commercialoneinsurance.com\/blog"},{"label":"Auto Insurance","link":"https:\/\/www.commercialoneinsurance.com\/blog\/category\/auto-insurance\/"},{"label":"I don\u2019t own a car; do I need auto insurance?","link":"https:\/\/www.commercialoneinsurance.com\/blog\/do-i-need-auto-insurance\/"}],"_links":{"self":[{"href":"https:\/\/www.commercialoneinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/176","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.commercialoneinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.commercialoneinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.commercialoneinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.commercialoneinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=176"}],"version-history":[{"count":1,"href":"https:\/\/www.commercialoneinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/176\/revisions"}],"predecessor-version":[{"id":177,"href":"https:\/\/www.commercialoneinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/176\/revisions\/177"}],"wp:attachment":[{"href":"https:\/\/www.commercialoneinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=176"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.commercialoneinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=176"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.commercialoneinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=176"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}