Car Insurance -- Why Non-Owners Need It?

Why should anyone who doesn't own a car even bother about getting a car insurance policy? This is such a brilliant question! Owning a car insurance policy without having a car would be a samrt decision in some situations to be discussed shortly.

You may not have a personal vehicle for your daily routine since you live in a big city with an efficient mass transit system. You can easily go to a car rental service at any time you want to go for a picnic or vacation.

These rental companies sell insurance if you want to cover your rent period. This may not really amount to so much if you rent a vehicle once in a long while. The opposite is the case if you hire a vehicle often making it more expensive than buying a non-owner car insurance policy.

Moreover, your acquintance and sibblings will feel a lot more comfortable releasing their cars to you if you want to borrow one. Does not the gesture of getting a non-owner auto insurance policy show you such a person is very thoughtful? If you show that you are very responsible, people prefer to work with you.

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. It kicks in only if the auto owner's policy's liability limit can't take care of the damages caused. To understand these better...

Letus say that a damage of $27,000 is caused by you in a crash. If the vehicle owner's liability limit is thirty thousand dollars, your insurance won't be touched. This won't be the case if his/her liability limit were to be half the money. In such case your non-owner's policy will come into effect to take care of the deficit.

It is good that you know that irrespective of the type of policy you want to buy, you can make huge savings by capitalizing on the disparity in auto insurance premiums. It's very ethical and lawful and can save you around $1000...

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