Omaha Auto Insurance in Arkansas
Non owner's auto insurance in Omaha, Arkansas
It is illegal to drive in Omaha, Arkansas without auto insurance and failure to have adequate insurance cover can land you in deep trouble, punitive actions can vary from a suspension of driver's license and a monetary fine to incarceration as the case may be.
Not owning a car in no reason to not have auto insurance. Insurance companies that seal in automobile insurance provide owners who don't own their own vehicles but drive with non-owners auto insurance. Many people today drive cars that aren't their own and belong to a relative, a friend, or a colleague; many companies provide their companies with vehicles as a fringe benefit. Rented cars are also covered under the non owners auto insurance scheme.
Many drivers don't buy auto insurance since the vehicle they are operating does not belong to them; however this can prove to be a huge mistake since your more likely to crash in someone else's car as your not used to the vehicle and reaction times will be considerably higher.
The need for non owners insurance
If you crash someone's car in Omaha, Arkansas and you don't have non owners auto insurance, you will be required by the state of Arkansas to pay for all the damages caused due to the accident out of your pocket. Many a lawsuit have cropped up from such situations where drivers don't have insurance; the cost factor doubles to say the least when you have a lawsuit against you because of auxiliary expenses such as lawyers fees and loss of wages to attend hearings, and you are most likely to lose the lawsuit and be forced to pay for damages and compensation to the other party.
Had you had a non owners auto insurance policy your insurance company would be responsible for the financial losses and would also act as an attorney and advocate you in any resulting lawsuits.
Circumstances in which you ought to buy non owners auto insurance
Anyone who drives acquaintances vehicles, rental cars or an office car will need non owners insurance. People who don't own their own cars and borrow vehicles from relatives friends and colleagues must get non-owners auto insurance, you needn't get a high cover but adequate cover to protect you in an accident is recommended. Many people who travel for work rent cars in the cities they go to, rental agencies offer auto insurance but this works out far more expensive. Many offices nowadays as a cost cutting measure don't provide insurance policies with the cars they loan out to their employees, thus making it imperative for the driver to buy non owners insurance.
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