Car Insurance -- Non-Owner, Why Bother?

A auto insurance policy for non vehicle owners? What for? Good question! There are some situations that you will find yourself in and you'll find that getting a car insurance is a wise decision.

Since your city has a mass transit network, you'll not need a personal car for your daily movements. You can easily go to a car rental service at any time you want to go for a picnic or vacation.

Along with renting a car, you'll aslo have to buy a car insurance cover for the rent period. These rental service sell such car 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 rent a vehicle usually makes it more costly than buying a non-owner auto insurance policy.

If your acquitance and relatives know that you have a car insurance policy they will be more likely to lend their car to you than otherwise. Look at it from the vehicle owner's opinion: It shows a level of responsibility. And, people are a lot more relaxed dealing with thoughtful people.

Hold on. A non-owner car insurance policy works within a certain rule. Your non-owner's policy can't override the car owners policy. However, if the vehicle owner's policy cannot 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...

Imagine that you borrowed a vehicle and had an accident where you caused a damage of twenty seven thousand dollars. In spite of your non-owner's policy, the car owner's policy will be used if his/her liability limit is, say, $30,000. This won't 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 cover the deficit.

It is very important, if you have something to do with car insurance, that you know how to make a lot of savings because of the disparity in rates by insurance companies. This 100% legal way to get savings can save you many hundreds of dollars...

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