Non Owner Auto Insurance

Non owner auto insurance is a special type of coverage that will protect you in a very specific circumstance. However, because many people do not tend to get non owner automobile insurance, they are often left in a bind when they are driving a vehicle that is not theirs and get into a wreck. If this happens, you will still be responsible for paying for the vehicles damages. Since this is the case, it is always a good idea to be certain that, if you are driving a vehicle that is not yours, you are covered even if you do get into a wreck.

There are two things that you should understand and know about non owner car insurance. The first thing you will need to understand is what non owner vehicle insurance covers, specifically with what you are driving. The other thing that you need to know is what instances are covered by this kind of auto insurance premium. Once you have a firm understanding of these two non owner auto concepts, you will be able to better determine if this kind of coverage is for you and your situation. Though non owner coverage is not for everyone, it certainly is useful to those that are driving a vehicle regularly that they do not own.

What it Covers

Understanding what this kind of automobile insurance covers is essential to knowing if it is or is not for you. Basically speaking, this kind of insurance covers two kinds of vehicles; a rental vehicle or a vehicle that you are driving that is owned by a friend or family member. If you travel a lot and have to drive in a rental auto, you will notice that they will ask you to purchase non owner auto coverage right before they give you the keys. In fact, most rental companies do not even rent their vehicles out without first getting verification that the vehicle will be covered in the event of an incident. This is one of the most common places where you will have to get non owner automobile insurance. Another possible instance where you might need this kind of coverage is if you are driving the auto of a friend. Though it is not required to get non owner auto insurance if you are just driving a friend's auto, if you get into a wreck that damages the auto, the friend might not have the correct coverage to clear the financial burden that is left with you wrecking the auto. If this is the case, you could be taken to court or asked to pay for a good deal of the repairs. Having non owner auto insurance will remedy this, allowing you to drive the vehicle without fear of financial constraint or reprisal if you were to get into a wreck; though everyone might not need this kind of non owner auto coverage, if you drive friends' autos frequently you should certainly ,look into it at least.

Instances it Covers

The other thing that you will need to know about this kind of non owner auto coverage is what instances it will actually clear. Non owner insurance is more expensive than most other single types of coverage because it will cover a wider variety of potential circumstances. For instance, if you get into a wreck while driving a rented vehicle, that will be covered; if you get caught in a hail storm while you are in possession of the vehicle, that will be covered; if the vehicle is stolen while you are in possession, that will be covered as well. There are many circumstances that will be covered in the event of driving a vehicle that you do not own. That is why this particular kind of coverage is more expensive than most other forms of coverage. Basically, this kind of auto insurance covers all of the instances covered in the top forms of insurance otherwise available to normal drivers. This is to protect the rental company so that if you were to bring the vehicle back damaged, the cost would not be theirs to fix.

There are many things to consider when you are looking into getting some non owner auto insurance. If you are not careful, you can wind up in a lot of debt trying to pay back the money that you owe after getting into a wreck with a vehicle that you do not own. Just to be safe, anytime you are driving a rental vehicle or a vehicle that you do not own, you should always get non owner automobile insurance. Most people believe that it could not happen to them. However, it is to those people that incidents more frequently happen, and it is those people who wind up with debt and regret.



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