Auto Insurance -- Non-Owner, Why Bother?

A car insurance policy for non vehicle owners? What for? This is such a brilliant question! Owning a car insurance policy without having a vehicle would be a samrt decision in some situations to be discussed shortly.

Since you live in a city that has a mass transit system, you'll not need a personal vehicle for your daily movements. However, for those vacations and picnics, you'll need one. And what do you do? You visit a car rental company.

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. However, depending on how often you have to rent a vehicle, you might be better off with a non-owner auto insurance policy.

Another reason will become apparent if you intend to borrow a car. Everyone will feel more comfortable realising thier car to you if they know you are so thoughtful as to even get a auto insurance policy. Look at it from the car owner's opinion: It shows a level of responsibility. And, people are much more relaxed dealing with responsible people.

Now, you need to know something about a non-owner car insurance policy. If an accident happens, your non-owner's policy can't take precedence over the car owner's policy. However, if the vehicle owner's policy can't cover the damage due to its liability limit, your non-owner policy will take care of the balance. As an example...

Imagine that you borrowed a vehicle and had an accident where you caused a damage of $27,000. 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 a situation your non-owner's policy will come into effect to take care of the deficit.

It's very important, if you have anything to do with car insurance, that you learn how to get a lot of savings because of the disparity in rates by insurance companies. This can save you many hundred dollars. Moreover, it's very ethical -- No fake deals here...

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