A very common question, which on the surface does not seem very logical (why would you need insurance without owning a car), but a very valid one since it is illegal to drive without automobile insurance whether you own it or not.
Most car insurance policies cover drivers who have the vehicle owner’s permission to use the vehicle but there are times when having your own coverage is not only preferred but also required.
Learn how to get insurance without ownership of a car below or start comparing auto insurance quotes today!
When to get auto insurance if you do not own a car?
Using somebody else’s vehicle for random trips to the grocery store or late night runs for fast food is a normal part of everyday life however if you frequently use a vehicle belonging to another person its probably a wise idea to purchase what is called a non-owner auto insurance policy.
This form of policy coverage is for you as an individual operating any vehicle and not specifically for any particular car. Non-owner insurance policies are essentially an additional layer of coverage protecting you in case the coverage belonging to the vehicle owner does not cover your liability or an insurance claim is denied since it was determined your frequent use of the car qualified you as a primary driver and no such declaration was made to the insurance company.
Non-owner policies are also very valuable for drivers who are operating vehicles where the owner has limited policy coverage which may not be sufficient in an accident. Even though most states have minimum insurance requirements these limits can be quite low and if the owner of the vehicle has purchased only the very basic policy coverage required by law there probably is still a lot of potentially personal liability driving their car.
What happens if I am at-fault in a car accident driving someone else’s car?
This is a grey area in car insurance laws as some of the policy coverage may not extend beyond the insured for accidents you were at-fault in depending on the unique circumstances of the accident. Other drivers can then sue you personally but with a non-owners policy in place you will have some form of coverage.
How does non-owner insurance coverage work?
Non-owner coverage works like supplemental insurance. When an accident occurs any damages or claims are first subject to the vehicles owners’ policy coverage. When the owner of the vehicle has insufficient coverage then the supplemental (non-owner) insurance kicks in, up to the limits of the policy.
While non-owners car insurance is very affordable and an added lawyer of protection understanding how this type of coverage works can be a little complicated so its best to speak with a licensed agent about the best options available if you spend time driving a vehicle you do not own.
Cheap Non-Owner Car Insurance Quotes Online
Car insurance comparison is always your best tool whenever shopping for any type of auto insurance. Most insurance providers have online forms which make it simple and short to request quotes, compare rates and even and a toll free number to call with any questions.
Compare Car Insurance Quotes online today!
How possible is to get auto insurance without owning a vehicle?
A very common question which on the surface does not seem very logical (why would you need auto insurance without owning a car) but this is in fact a very valid question since it is illegal to drive without car insurance whether you own it or not.
Most car insurance policies cover drivers who have the vehicle owner’s permission to use the vehicle but there are times when having your own car insurance policy is not only preferred but also required.
Learn how to get car insurance without owning a vehicle below or start comparing auto insurance quotes today!
Using somebody else’s vehicle for random trips to the grocery store or late nights runs for fast food is a normal part of everyday life however if you frequently use a vehicle belong to another person its probably a wise idea to purchase what’s called a non-owner auto insurance policy. This type of policy is coverage for you as an individual operating any vehicle and not specifically for any particular car. Non-owner car insurance policies are essentially an additional layer of coverage which protects you in case the coverage belonging the vehicle owner does not cover your liability or a claim is denied since it was determined your frequent use of the car qualified you as a primary driver and no such declaration was made to the car insurance company..
Non-owner car insurance policies are also very valuable for drivers who are operating vehicles where the owner has limited policy coverage which may not be sufficient in the event of an accident. Even though most states have minim car insurance requirements these limits can be quite low and if the owner of the vehicle has purchased only the very basic policy coverage required by law there probably is still a lot of potentially personal liability driving their car.
What happens if I am at-fault in a car accident driving someone else’s car?
This is a grey area in car insurance laws as some of the policy coverage may not extend beyond the insured for accidents you were at0fault in depending on the unique circumstances of the accident. Other drivers can then sue you personally but with a non-owners policy in place you will have some form of coverage.
How do non-owner car insurance polices work?
Non-owner auto insurance coverage works like supplemental insurance. When an accident occurs any damages or claims are first subject to the vehicles owners’ insurance coverage. When the owner of the vehicle has insufficient coverage then the supplemental (non-owner insurance) kicks in, up to the limits of the policy.
While non-owners car insurance is very affordable and an added lawyer of protection understanding how this type of car insurance works can be a little complicated so its best to speak with a licensed agent about the best insurance options available if you spend time driving a vehicle you do not own.
Care insurance comparison is always your best tool whenever shopping for any type of car insurance. Most auto insurance providers have online forms which make it simple and short to request quotes, compare rates and even and a toll free number to call with any questions.
Get Cheap Car Insurance Quotes online today!
