Just because you do not have a car of your own it does not mean that you are exempted from getting an auto insurance policy. The thing is that anybody who drives a car, whether they own the car or not, is liable for the vehicle they drive when accidents happen. Yes, you will have to pay for any damages related to the incident. If you do not have any insurance protection, you will need to pay for these damages using your own money. Since road accidents often involve large amounts of money, you could end up in a lot of financial troubles. To avoid this kind of scenario, it is important to see to it that you have non owners’ auto insurance coverage before attempting to take a car out into the road.
Is non owners’ auto insurance policy required under the law? Vehicle insurance is required under the law and drivers caught driving with insurance coverage may be arrested and penalized. Yes, it is possible to get into a lot of legal trouble if you fail to get this type of policy. If you do not want to end up on the wrong side of the law, check traffic laws and regulations in your area. Make sure that you know your rights.
Can you get a driver’s license even if you do not have vehicle insurance coverage? Government authorities will not allow any person to take a driver’s test if they cannot present proof that they have non owners’ auto insurance. If you are planning to take a driver’s test, it is best to buy car insurance policy first before heading for the testing center. This way, you can avoid delays in the processing of your driver’s license.
Aside from the government, car rental companies also require proof of non owners’ auto insurance before they will allow you to rent a vehicle. Car rental companies need to protect their investments so they will not let you rent a car unless you have the right insurance coverage. Thankfully, most car rental companies also sell insurance policies, so you can easily buy from them when you need to. Just make sure that you do not end up paying more money than you have to on a non car owners’ policy.
Another way to get that much needed insurance coverage is to use your credit card to pay for car rental. Major credit card companies around the country offer auto insurance coverage, so when using your credit card to rent a car, you automatically get coverage.