RA Insurance: Definition and Common Names

Basics Updated October 22, 2026 ledouying

## What it covers

Liability for damage you cause while driving a vehicle you do not own.

## What it does not cover

Damage to the vehicle itself. Your own vehicle. Medical expenses for you.

### Why the name changes

State regulation differs, so the same product carries different labels. Read the coverage description.

## Frequently Asked Questions

### Is RA the same as non-owner?

Functionally yes. The name varies by state and carrier.

### Can I combine it with a full policy?

Commonly done. One covers owned vehicles, the other borrowed ones.

### Does it have a deductible?

Usually on the liability portion. Check the declarations page.

Key Information

Definition (40-60 words): RA insurance is a liability policy written for a driver who operates vehicles they do not own or register. It pays for damage and injury the driver causes while driving a borrowed vehicle, up to the liability limits chosen. States use different names for essentially the same product — registered agent, non-owner, or secondary driver policies — so the policy description matters more than the label on the quote.
Related Terms: Non-Owner Policy, Liability Coverage, Deductible, Exclusion, Full Coverage