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Monday, September 14, 2009

Car Insurance -- But I Don't Have A Car


You don't have a car. So, why would you need a auto insurance policy? This is such a brilliant question! There are a number of situations that you will find yourself in and you'll find that getting a auto insurance is a wise decision.

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

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

Moreover, your friends and sibblings will feel much more comfortable releasing their cars to you if you need to use one. If you are a vehicle owner, who would you take more responsible: The fellow who has a non-owner auto insurance policy and the guy who doesn't? And, people are a lot more relaxed dealing with thoughtful people.

Before you run with the wrong impression, let me explain something about a non-owner auto insurance policy. The car owner's policy still takes precedence over your non-owner's policy in the event of an accident. However, if the auto owner's policy can't 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 car and had an accident where you caused a damage of $27,000. If the car owner's liability limit is $30,000, your insurance will not be touched. This will not be the case if his/her liability limit were to be half the amount. In such case your non-owner's policy will come into effect to cover the deficit.

It's very important, if you have anything to do with auto insurance, that you know how to make huge savings because of the disparity in rates by insurance companies. It is very ethical and legal and can save you around $1000...


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