Auto Insurance -- Why Non-Owners Need It?

A auto insurance policy for non car owners? What for? This is such a brilliant question! There are a number of situations that you'll find yourself in and you will find that having a car insurance is a wise decision.

You may not own a personal vehicle for your daily routine since you live in advanced city with an efficient mass transit network. However, for some vacations and picnics, you'll need one. And what do you do? You visit a car rental company.

Along with renting a car, you'll aslo have to get an auto insurance cover for the rent period. These rental service sell such auto insurance policies. This may not really amount to so much if you hire a car once in a long while. The opposite is the case if you hire a car often making it more costly than buying a non-owner auto insurance policy.

Moreover, your friends and sibblings will feel much more comfortable releasing their vehicles to you if you need to use one. Doesn't the gesture of getting a non-owner car insurance policy tell you such a person is very responsible? And, people are a lot more relaxed dealing with responsible people.

Before you run with the wrong impression, let me explain something about a non-owner car insurance policy. The car owner's policy still takes precedence over your non-owner's policy in the event of an accident. This policy gets to work if the car owner's policy cannot take care of the damages caused. To make this clearer...

Let's say that a damage of twenty seven thousand dollars is caused by you in a crash. In spite of your non-owner's policy, the car owner's policy will be used if his/her liability limit is, say, thirty thousand dollars. However, if in the same case, the owners liability limit is fifteen thousand dollars, your insurance cover the balance.

It is good that you know that irrespective of the type of policy you intend to buy, you can get massive savings by capitalizing on the disparity in auto insurance rates. This can save you several hundred dollars. Moreover, it's very ethical -- No shady deals here...

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