Non-Owners provides liability insurance for a driver even when that person doesn’t own a vehicle. Liability insurance protects the other party in the event that you are involved in an accident. Every driver in the state of NC is required to have insurance of some type. This makes Non-Owners a necessity. The state of NC also requires you to be insured to get a driver’s license. Many people who don’t own a vehicle may need this coverage in order to obtain that license.