Auto Insurance -- Why Non-Owners Need It?

A car insurance policy for non vehicle owners? What for? Hold on tight because you are in for a big surprise! There are a number of situations that you will find yourself in and you will find that getting a auto insurance is a wise decision.

Since you live in a big cities with highly efficient mass transit networks, you may not really need to have a vehicle for your daily movement. Car rental services are always ready to take care of those days you may need a car for private use.

These rental companies sell insurance if you want to cover your rent period. However, depending on how regular you have to hire a car, you may be better off with a non-owner car insurance policy.

Furthermore, your friends and sibblings will feel a lot more comfortable giving their vehicles to you if you need to use one. If you are a vehicle owner, who would you consider more responsible: The person who has a non-owner car insurance policy and the guy who does not? People like dealing with people who show that they are responsible.

Now, you need to know something about a non-owner car insurance policy. If an accident occurs, your non-owner's policy can't take precedence over the car owner's policy. However, if the auto owner's policy can't cover the damage due to its liability limit, your non-owner policy will take care of the balance. I think an example will help make this clearer...

Letus say you had an accident with a borrowed car that resulted in damages that sumed to twenty seven thousand dollars. If the auto owner's liability limit is $30,000, your insurance will not be touched. This will not be the case if his/her liability limit were to be half the amount. In such a situation your non-owner's policy will come into effect to take care of the deficit.

It's very important, if you have something to do with auto insurance, that you know how to get huge savings because of the disparity in premiums by insurance companies. It's very ethical and legal and can save you up to one thousand dollars...

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