What type of Automobile Insurance Policy provides liability coverage for someone who does not own an automobile but requires coverage?

A An Excess Policy provides additional coverage on top of another policy and would not be necessary for someone who does not own a car. B: A Lessor's Contingent Policy is for a vehicle being leased and would not apply to someone who does not own a car. C: A Standard Non-Owned Policy is for a company or organization to cover liability for employees using non-owned vehicles for company purposes. This also would not apply to an individual who does not own a car. D: A Driver's Policy specifically provides coverage for individuals who do not own a car but still require liability coverage. This is the correct type of policy for someone in this situation. It is also commonly used for people who frequently borrow or rent vehicles.