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Non owners insurance in california?

i am considering non-owners insurance for a car. however, if i drive my friend's car, their insurance policy will cover me. 1) what is the point of getting non-owners insurance, if non-owners insurance already assumes that i don't have frequent access to a car, and my friend's policy will cover me, also assuming i don't have frequent access to his car? also, i know, in the case of an at-fault accident with my friend's car, and assuming i have non-owners insurance, my friend's insurance will kick in first, then my non-owners insurance will cover what's missing. 2) what's the point of non-owner's, if my friend's limits are high enough already? 3) won't my friend's insurance increase since his insurance company had to pay? 4) if my friend's insurance increases, then what does the non-owner's insurance cover/protect??

   








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https://proccowoltover.wordpress.com/2017/06/05/about-how-much-would-insurance-be-for-this-car/

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Non owners insurance in california?
i am considering non-owners insurance for a car. however, if i drive my friend's car, their insurance policy will cover me. 1) what is the point of getting non-owners insurance, if non-owners insurance already assumes that i don't have frequent access to a car, and my friend's policy will cover me, also assuming i don't have frequent access to his car? also, i know, in the case of an at-fault accident with my friend's car, and assuming i have non-owners insurance, my friend's insurance will kick in first, then my non-owners insurance will cover what's missing. 2) what's the point of non-owner's, if my friend's limits are high enough already? 3) won't my friend's insurance increase since his insurance company had to pay? 4) if my friend's insurance increases, then what does the non-owner's insurance cover/protect??


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Non owners insurance in california?
i am considering non-owners insurance for a car. however, if i drive my friend's car, their insurance policy will cover me. 1) what is the point of getting non-owners insurance, if non-owners insurance already assumes that i don't have frequent access to a car, and my friend's policy will cover me, also assuming i don't have frequent access to his car? also, i know, in the case of an at-fault accident with my friend's car, and assuming i have non-owners insurance, my friend's insurance will kick in first, then my non-owners insurance will cover what's missing. 2) what's the point of non-owner's, if my friend's limits are high enough already? 3) won't my friend's insurance increase since his insurance company had to pay? 4) if my friend's insurance increases, then what does the non-owner's insurance cover/protect??


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Non owners insurance in california?
i am considering non-owners insurance for a car. however, if i drive my friend's car, their insurance policy will cover me. 1) what is the point of getting non-owners insurance, if non-owners insurance already assumes that i don't have frequent access to a car, and my friend's policy will cover me, also assuming i don't have frequent access to his car? also, i know, in the case of an at-fault accident with my friend's car, and assuming i have non-owners insurance, my friend's insurance will kick in first, then my non-owners insurance will cover what's missing. 2) what's the point of non-owner's, if my friend's limits are high enough already? 3) won't my friend's insurance increase since his insurance company had to pay? 4) if my friend's insurance increases, then what does the non-owner's insurance cover/protect??