Non-owner’s insurance Paradise, Nevada NV
Reader’s Question:
I live in Paradise, Nevada and I would like to ask if I can purchase car insurance even if I do not own a car? I would like to get the protection I need since I sometimes drive a car to the city when I need to and rent it from rental companies.
James
Paradise, NV
How are you doing, James?
Thanks you for asking a very legitimate question about car insurance. A non-owner’s car insurance is something that fits your insurance needs. This is often helpful for people who live in a metro area and often leads to a scenario where this coverage is needed or wanted. As most people who live in metro areas often don’t own vehicles for many reasons: cost, space, cost of insurance, etc; auto insurers have designed this type of auto insurance. This is really intended for short term protection if driving becomes occasional. It is one of the most practical options if you do not own a car.
What happened when you’re driving a car not owned by you is that the insurance on the car is primary. You would become liable for the remaining uncovered damage if more damage occurs than coverage afforded by the policy. Every time you rent a vehicle and you purchase the coverage they offer, there wouldn’t be a coverage gap in the above scenario. If you rent a vehicle quite often, the premium for the coverage can become expensive over a years time and will be very impractical. A non owner policy might be a more cost effective for you in Paradise, Nevada. This policy will cover accidents for any vehicle you’re driving and not merely accidents while driving the rental car.
I strongly suggest for you to shop around among companies and not always go for the cheapest rate, but to check for coverage too.
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