Posted by auto-insurance on March 23rd, 2011
Non owners auto insurance
Is perfect for people who don’t have their vehicle but they drive other people’s vehicle on rent. Today in states like California you might be thinking that you have to buy auto insurance only if you have a vehicle of your own. However this is not true. The driver has to get himself insured so that he can cover himself and the victim if he meets with an accident. There are many non owner auto insurance providers in California. You can check out their credentials and insurance terms and then buy the insurance.
However you don’t have to buy full auto insurance for a car that you don’t own.
The non owners auto insurance specially caters to the requirements of those people who drive a vehicle for personal use even though that vehicle does not belong to him. The vehicle might be rented on a contract basis or a car owner might even give his vehicle for free to operate for a few months.
As mentioned before, the non owner auto insurance in California costs less than what you pay for normal car insurance. The policy focuses on covering the liability met during an accident. Hence the insurance protects you from the liability of suffering from hardship and financial loss that you will face during an accident.
The average premium that you pay for such type of policy varies between $10 and $20 a day. However the coverage normally does not cover medical expenses. Some policies might also exclude comprehensive and collision coverage. This is because the car owners have the auto insurance when they buy the vehicle.
The non owners insurance in states such as California comes in handy when you have plans to use someone’s vehicle for a long time or you tend to travel big distances. However there are many people who don’t understand or are not aware of such type of auto insurance. The policy is priced to cover the normal liabilities of the vehicle during an accident. The premium to be paid depends on factors such as the type of vehicle you are going to use and for how long will you be using the vehicle.
In case you are accidently driving one of the stolen cars then the price to be insured will increase. In case the car’s value is higher then the cost of the insurance will increase. Since you are not the owner of the vehicle you will not be entitled to get a full comprehensive policy, however you will still get some coverage. It is recommended that you should get non owners insurance in California even if the car does not belong to you. There are many people who wish to save money by thinking that their driving is perfect and nothing will happen to them on the road.
However accidents don’t come with any warning and when an accident happens, you may have to pay a lot in terms of losses. A non owners car insurance will save you from the majority of these liabilities.