Non Owner Car Insurance Is for Those Who Don’t Own a Vehicle

Do you need non owner car insurance? With so many vehicles on the road, it may be a little hard to believe but there are still many adults who do not own their own vehicle. For many people, it’s just not worth the expense.   When you only need to drive once in awhile, most people can borrow a car from friends or family to run short errands. If you need to take a long trip, you can always rent a vehicle. If you live in the city, you can take advantage of public transportation. Therefore, owning a car is not always a necessity.

Buying and keeping the maintenance up on a vehicle can be very expensive, so the money you save can be put on other things you need. However, it would be a good idea to take part of your savings to purchase a non owner car insurance policy and a roadside assistance plan. If you drive any, even if it’s only a few times each year, you still need to be insured. This is for your protection and to help protect the owner of the vehicle you borrow.

If you get in an accident with their vehicle and you’re not driving legally, it can create a lot of problems for them. A non owner car insurance policy would provide you with the liability, medical, personal injury, uninsured and under-insured motorist coverage required by law to drive, eliminating these problems.

Here’s how it works. If you’re involved in an accident, the owner’s insurance will pay first. If they do not have enough coverage to take care of all the expenses caused by the accident, your insurance will kick in and start paying. The person who loaned you their vehicle will be very happy that you have this added coverage because it will save them a lot of headaches and worry.

The roadside assistance coverage will help to keep you safer. If the vehicle leaves you stranded on the side of the road this coverage will send someone out to fix the problem or tow you somewhere where it can be fixed. When you don’t drive much, you tend think more about what you would do if the car were to breakdown because you’re not used to being on the road. Since you never know when something will happen, this coverage can help you rest a little easier when you do borrow someone else’s car.

Both the roadside assistance and the non owner car insurance can benefit everyone from the college student to the stay at home mom. However, you do want to do some research and look for the best companies to deal with. This way, you’ll get the best deal and the best service.