This exclusive and customized policy cover you in cases like hiring a car or driving a person’s car over a long time. A Non-Owner Car Insurance online will compensate for damages that occur during an accident as well as injuries sustained by both the passengers and the driver. Other circumstances make this unique insurance plan necessary.Why Do I Need Non-Owner Car Insurance?· If you have an outstanding DUI chargeHave you been convicted of driving under the influence? You may likely be required of your state to provide an SR 22 form (known as the FR-44 form in some zones). The SR-22 will help you retrieve your driver’s license, and both forms are evidence of legal vehicle insurance. Non-owner car insurance will provide enough evidence of insurance even when you don’t own a car.· You often use people’s vehiclesDo you fall in the class of those who are not ready to face the hassles of owning a car, but get to use cars of family and friends to move around? If yes, then you need to obtain a non-owner car insurance. There are also situations where you have no other option than to use someone’s car: Probably you are establishing a small scale delivery business, and you get a friends van to kick off the business. You are required to secure a non-owner car insurance.· You Often Hire CarsYou can attest to the high rates paid to auto rental firms if you always rent cars. Obtaining a non-owner vehicle insurance will help you save a lot. Some rental companies charge as high as $35 insurance fee per day.· During Test DrivingAmong other marketing strategies employed by automobile manufacturers to lure people to patronize their products, they often allow buyers to test drive the car for two weeks before making any form of commitment. The producers believe that the customer will likely fall in love with the vehicle and sign for the purchase of the vehicle during the test drive duration. If you borrow a car from these dealers, you will have to get a non-owner car coverage.· You often Ride-SharePresently, vehicle sharing plans are common trends. Although these cars are insured, they may lack relevant additional coverage to protect your properties in case severe damages occur following a crash. If your assets are worth over $100,000 you may include additional non-owner coverage for complete protection in the event you get sued.Can you relate with any of the highlighted scenarios above? If yes, then you need to obtain a non-owner car insurance.Having active vehicle insurance reduces the risk on insurers, and you also qualify for cheaper rates on your next car insurance. For young drivers who probably drive their parents’ car should have no worries, as their parent’s policy covers them.Basics of Non-owner InsuranceThis specialty insurance automatically satisfies the state primary liability standards. Also, the non-ownership package includes both medical bills and even protects uninsured motorists. This is a valuable addition to your package because a lot of uninsured drivers out there are moving around and if an accident occurs there is about 13% probability the other party is uninsured, and that’s a risk you don’t want to take. If your credit card company already insures you, then when renting cars, you may not need non-owner car insurance.Non-owner car insurance usually has cheaper rates compared to standard liability coverage with standard car protection. This reduction is because of the limited access the driver has to the vehicle, therefore reducing the chances of involving in a clash, unlike other motorists.Obtain a Non-Owner Vehicle Insurance Policy OnlineYou can get the best non-owner car insurance rates online. Apply directly online for a policy and get a quote in about 5 minutes or less. Don’t wait any longer; apply now and get your desired plan for less
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