Why One Should Carry Non Owner Car Insurance

Written By Hicham DARIF on 10 juil. 2012 | 12:53

By Cameron McKelton

In most states, in order to maintain a license to drive, one must have some form of automobile coverage. This is true whether or not the individual actually owns an auto. As such, for those licensed drivers who do not own their own automobile, they must obtain non owner car insurance.

There are those who choose not to own their own automobile for various reasons. Perhaps they live in the city and have access to public transportation. In some situations, they might engage in carpooling on a regular basis.

Another option that some people are getting into is group ownership of an automobile. In these situations, a small group of people get together a buy their transport which they own cooperatively. Each person takes turn using the auto when it is needed.

No matter what the reason for a licensed driver to only find themselves behind the wheel on occasion, carrying some form of coverage is extremely necessary. Even if all they need it for is an occasional rental truck for moving. At least a minimum coverage is necessary for any type of driving one may do.

Unfortunately, this minimum coverage is often not adequate. It only covers the damage that one might do to the property of another individual, and does not cover that automobile or its contents at all. It is recommended that one carry more than minimum limits, and certainly have uninsured motorist coverage as well. Anything less may spell financial disaster for the one driving. Carrying coverage is not merely recommended to stay within the rule of law, but it is also designed to help prevent financial catastrophe.

This may include carrying limits for personal injury or medical payments. In a carpooling situation, this may prove to be extremely important coverage, as whomever is driving the vehicle is ultimately responsible for any injuries sustained. Also, consider situations where one might be transporting the children of other people. Adequate coverage for injuries shows a sense of duty to those who are passengers.

Additional coverages should be considered in a co-ownership situation, even if the car is paid for up front. Any newer automobile is going to need comprehensive coverage. The expense of fixing even superficial damage to a newer automobile is prohibitive. Extra coverages, even in non owner car insurance, often includes rental and towing reimbursement as well, which can help prevent an economic hardship.

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