First know that auto insurance is not the owner, it is designed to protect the holder of the insurance policy in case some very specific situations arise.
Most people know that if you have a car, this should be whether or car insurance. However, for a few policy purchase non-proprietary and not necessarily do so with the sole purpose of protecting your personal assets; but state laws require it, in a nutshell you need to have.
Although many insurance companies do not advertise the policies for those who do not own a car, other companies offer liability coverage, that for those who do not own a car.
Here are some questions that people are made as to the non-auto insurance owner:
WHO NEEDS THIS INSURANCE NON-OWNER?
The person who provided the car and drive it itself is responsible for all expenses not covered by the policy owner’s car insurance. For some reason the vehicle loan is requested and an accident happens, the policy of Non-owner shall pay the damages caused by a car accident, paying above the limits of the primary policy. Now, people who lease vehicles, it is easier to provide policy Non-owner who buy insurance for a while the company that rents.
WHO DOES NOT REQUIRE A POLICY?
If a family member is normal you still use your own vehicle, you should have this protection in its policy, instead of buying the policy of Non-owner; that way you can save a lot of money. And state laws report that if the owner gives for rent or lend your car to someone else and not have the policy of Non-owner, be it political protection.
On the other hand if you want to purchase insurance policy non-owner only to avoid some additional costs in its policy, it is likely that the company refuses to pay any claim by you.
DOES COVERAGE VARY?
For there is no one that does not change, all policies may vary, there are many policies that pay for protecting the body (damage to the person) and material (car damage), a company can offer you low protection (injuries, fractures, bruises, bumps, medical expenses, etc.). There are other security coverage, which is only responsible for paying the damage was the other car, and possibly the people who occupied; as the owner’s policy is to cover the costs of damages to the same and its occupants.
GET THE POLICY
There are many items of optional coverage to drivers who own the vehicle, keep in mind that premiums are cheaper than standard policies, according to Bankrate, these policies can cost $ 500 (USD) per year. People can have a good discount calling only insurance provider of the person living with you, may be a tenant, also to have the discount the insurance company must make a verification regarding their history of driving record.
Most people know that if you have a car, this should be whether or car insurance. However, for a few policy purchase non-proprietary and not necessarily do so with the sole purpose of protecting your personal assets; but state laws require it, in a nutshell you need to have.
Although many insurance companies do not advertise the policies for those who do not own a car, other companies offer liability coverage, that for those who do not own a car.
Here are some questions that people are made as to the non-auto insurance owner:
WHO NEEDS THIS INSURANCE NON-OWNER?
The person who provided the car and drive it itself is responsible for all expenses not covered by the policy owner’s car insurance. For some reason the vehicle loan is requested and an accident happens, the policy of Non-owner shall pay the damages caused by a car accident, paying above the limits of the primary policy. Now, people who lease vehicles, it is easier to provide policy Non-owner who buy insurance for a while the company that rents.
WHO DOES NOT REQUIRE A POLICY?
If a family member is normal you still use your own vehicle, you should have this protection in its policy, instead of buying the policy of Non-owner; that way you can save a lot of money. And state laws report that if the owner gives for rent or lend your car to someone else and not have the policy of Non-owner, be it political protection.
On the other hand if you want to purchase insurance policy non-owner only to avoid some additional costs in its policy, it is likely that the company refuses to pay any claim by you.
DOES COVERAGE VARY?
For there is no one that does not change, all policies may vary, there are many policies that pay for protecting the body (damage to the person) and material (car damage), a company can offer you low protection (injuries, fractures, bruises, bumps, medical expenses, etc.). There are other security coverage, which is only responsible for paying the damage was the other car, and possibly the people who occupied; as the owner’s policy is to cover the costs of damages to the same and its occupants.
GET THE POLICY
There are many items of optional coverage to drivers who own the vehicle, keep in mind that premiums are cheaper than standard policies, according to Bankrate, these policies can cost $ 500 (USD) per year. People can have a good discount calling only insurance provider of the person living with you, may be a tenant, also to have the discount the insurance company must make a verification regarding their history of driving record.
0 comments: