Car Insurance -- Necessary For Non Car Owners?

You do not own a vehicle. So, why would you need a car insurance policy? Sit tight because you're in for a great surprise! Owning a auto insurance policy even though you do not having a vehicle would be a samrt decision in some situations to be discussed shortly.

You may not own a personal car for your daily movements since you live in advanced city with a good mass transit network. Car rental services are regularly ready to render services on those times you may need a car for private use.

Along with providing you with cars for the period you want to use a private car, these rental companies also sell car insurance policies that cover you throughout that period. 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 vehicle usually makes it more costly than buying a non-owner car insurance policy.

If your acquitance and family members know that you bought a car insurance policy they'll be more likely to lend their vehicle to you than otherwise. Look at it from the car owner's perspective: It shows a level of responsibility. People like dealing with people who show that they are responsible.

Now, you need to know something about a non-owner car insurance policy. The car owner's policy still takes precedence over your non-owner's policy in any occurence of an accident. This policy functions if the auto owner's policy can't take care of the damages caused. As an example...

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, $30,000. However, if in the same case, the owners liability limit is $15,000, your insurance cover the balance.

Now, if you are about to get any form of car insurance policy, you need to take advantage of disparities in rates by different companies. This can save you many hundred dollars. Moreover, it is very ethical -- No fake deals here...

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