Who Should Buy Car Insurance For Non-Owners?
Even in case you don’t own a vehicle, you might require your own vehicle insurance coverage. In this case, a special type of auto insurance known as auto insurance for non car owners will fit the bill. The non owners car insurance mainly offers liability coverage while someone is borrowing or renting someone else’s vehicle. This is basically a liability coverage, which pays for property damage and injuries that you may cause to other drivers and the passengers. In other terms, it can be said that the non-owner vehicle insurance is a secondary insurance coverage, which pays for different types of damages and beyond what can be covered through the vehicle’s primary insurance.
So, if you are in doubt whether you need the car insurance for non-owners or not, then here are some details that can help you:
- In case you have been convicted of DUI or any other type of serious traffic violations and your state needs you to file one SR-22 form to obtain the driving license or to get yourself reinstated. These forms actually prove that you have vehicle insurance. This policy will definitely suffice in case you don’t own a vehicle.
- In case you use some car-sharing service. This type of policy actually supplements the liability coverage, which the car sharing service offers. You might choose to get this extra protection in case you have some savings or any other types of assets to protect if an accident victim sues you.
- In case you frequently rent vehicles. The non-owners policies are generally cheaper than paying for the liability insurance of the rental car company every time.
- In case you frequently borrow vehicles. Generally, in case you cause any accident while driving the vehicle of your friend, then their insurance will pay. But in case the costs go beyond the liability limit of your friend, then you will be on the hook for the remainder. In this case, the non-owners vehicle insurance will supplement the coverage of your friend.
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