Do you think that temporary car insurance is going to be relevant for you? This might only be important when you know exactly what this is and what it can do. You may be driving a car that you have borrowed from a friend of yours or a family member. Are you aware that if in case you get into an accident while driving someone else’s car, you will not be insured? This explains why you need to take temporary car insurance into consideration. How much exactly can this help you?
What is Short-Term Car Insurance?
A lot of insurance companies will not provide short-term car insurance unless you need car insurance for about 6 months or more. If you would check out some websites, they may say that you will get one-day car insurance. Some would say that 24-hour car insurance is possible but actually, you probably need to get 6-month car insurance from a reputable company. The temporary car insurance that you may find online may not exactly be authentic. It is easy to review quotes online like for the SR-22 auto insurance that helps drivers who are high risk.
There are some people who opt for non-owners car insurance instead because they believe that this will be more helpful for them in the long run. You can always check the various options that are available as long as you would check a reputable car insurance company.
How Does Temporary Car Insurance Works?
Getting temporary car insurance will be similar to getting the usual car insurance. The only difference is that it will only protect you for about six months. You will be in charge of choosing the amount of coverage that you want for the vehicle that you are using. A lot of people would base it on the minimum requirement of their state but this would still depend on other factors such as the following:
- Some states will require that you get liability coverage aside from the minimum requirement.
- Consider the different types of coverage that will be useful for you depending on your current location.
- Personal injury protection is usually considered by a lot of drivers who get temporary car insurance.
Take note of these things so that you will have the ability to acquire the temporary car insurance that you deserve to get.
What’s Covered by Temporary Car Insurance?
A lot of people say that getting temporary car insurance is worth it. Why is this so? This will entirely depend on the coverage that can be offered by temporary car insurance. There will be different coverage options that will be available. It is best that you will inquire with your chosen car insurance company so that you know exactly what the coverage of the policy is going to be.
Temporary car insurance will usually provide the following:
- Comprehensive Insurance
- Liability Insurance
- Uninsured and Underinsured Motorists
- Medical Payments
- Collision Coverage
- Loss of Use
If you are already happy with the coverage that you will get, you can proceed and get temporary car insurance from your chosen insurer. If not, you can request for some add-ons but this may have some extra costs.
What You Need to Know Before Buying Temporary Car Insurance
You have to be prepared because it can be confusing to know what your temporary car insurance can offer and what it will not cover. Some may assume that they need it because they did not do enough research.
The first thing that you have to do is to contact your last insurance company. You can ask them if you still have coverage. A lot of people become surprised to know that they still have car insurance. You do not need temporary car insurance when your last insurance company can still provide coverage for your car.
If in case you have learned that you do not have car insurance anymore, ask the company if they would be able to offer 6-month car insurance. Some of them will say yes and some of them will say no. You need to be clear whether the car that you will insure is your own car or if it is someone else’s car. If the car belongs to someone else, ask the owner of the car if you could get temporary car insurance for the vehicle. This way, possible issues about car insurance will be averted.
When Should You Get Short-Term Car Insurance?
Some people realize that they have wasted a lot of money on temporary car insurance that they do not need. You do not want to be one of these people. You want to know if it would be worth it to get short-term car insurance or not. These are the circumstances that will require you to get the right car insurance:
- If you are visiting a country for a few months or more and you need to use a vehicle to get around the place.
- You are using a ride-sharing service and you may need to have insurance because you do not own the car that you are using.
- It is possible that you are in-between selling your car but your insurance has already expired.
- There may be some limits to the car insurance that you already own and you feel that you need more coverage because of something that you will do.
- You are going to rent a vehicle within your state.
If you fall under any of these situations, there is a very big chance that you need short-term car insurance soon.