New York Auto Insurance -- Why Non-Owners Need It?

A NY car insurance policy for non vehicle owners? What for? Hold on tight because you are in for a big surprise! A car insurance policy is good even if you do not have a vehicle if you fall into any of the situations I will talk about later in this article.

Since your city has a mass transit system, you'll not need a personal car for your daily routine. However, for those vacations and picnics, you will need one. And what do you do? You visit a car rental company.

Along with providing you with vehicles for the period you want to use a private vehicle, these rental companies also sell car insurance policies that cover you throughout that period. However, depending on how often you have to rent a vehicle, you may be better off with a non-owner car insurance policy.

Furthermore, your acquintance and relatives will feel a lot more comfortable releasing their vehicles to you if you need to borrow one. Doesn't the gesture of getting a non-owner car insurance policy tell you such a person is very thoughtful? If you show that you are very responsible, people will love to work with you.

Hold on. A New York non-owner car insurance policy works within a certain rule. Your non-owner's policy cannot override the vehicle owners policy. This policy functions if the auto owner's policy cannot take care of the damages caused. To understand these better...

Assuming you borrowed a vehicle and had an accident where you caused a damage of twenty seven thousand dollars. In spite of your non-owner's policy, the auto owner's policy will be used if his/her liability limit is, say, thirty thousand dollars. If, on the other hand, there's a deficit where the vehicle owner's policy cannot cover such damage, your non-owner's policy will take care of the balance.

It is very important, if you have anything to do with car insurance, that you learn how to get huge savings because of the disparity in premiums by insurance companies. This can save you many hundred dollars. Moreover, it's very ethical -- No shady deals here...

Get Cheap Auto Insurance Quotes And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!