Do you need an auto insurance policy even if you don’t own an automobile? You must be wondering what sort of a question this is? But don’t be astonished on this question. Majority of the people have the same reaction. But the answer to this question is yes; you do need auto insurance even if you don’t own a car or an automobile. This stands true in case you have a rented automobile. If you possess a rented automobile you must purchase an insurance policy in order to save you from personal injuries in event of an accident.
If you are putting up in a large city with good public transport system you don’t need to buy a car or any other vehicle for that matter. These days you can easily get a rented automobile and commute through the city. But you must take care of all the safety precautions while driving an automobile, which is rented.
In the scenario of an accident while driving a rented vehicle one does not get any protection or coverage for any personal injury. Making such claims can only be possible if you have an insurance of your own. Now this is where it becomes necessary to own an auto insurance policy so that you can get coverage in event of an accident. So, if you don’t have an auto insurance policy then buying an auto insurance policy must be your top priority at this point of time not just for your own sake but also for the sake of your loved ones.
Having an auto insurance policy also improves your chances of getting a rented vehicle because if you will possess a policy beforehand the owner will trust you with his vehicle. He will be comforted with the idea of handing over his vehicle to someone who already has an insurance policy because then he will think that his vehicle is in safe hands and he is handing it over to someone who is quite responsible.
Before jumping to any conclusion one thing must be made very clear regarding insurance policies of rented automobiles, which is, in the scenario of an accident the owner’s auto insurance policy can’t be overcome by non-ownership auto insurance policy. It is to be paid only if the coverage sum of owner’s cat insurance policy is exceeded by the amount of the claim. Before making the final decision one must make a comparison among the free insurance quotes of all the various different insurance companies.
Getting free insurance quotes a few years back would have appeared like an endless and a tiring task but with the help of modern technology like Internet it has become quite comfortable.
If you are putting up in a large city with good public transport system you don’t need to buy a car or any other vehicle for that matter. These days you can easily get a rented automobile and commute through the city. But you must take care of all the safety precautions while driving an automobile, which is rented.
In the scenario of an accident while driving a rented vehicle one does not get any protection or coverage for any personal injury. Making such claims can only be possible if you have an insurance of your own. Now this is where it becomes necessary to own an auto insurance policy so that you can get coverage in event of an accident. So, if you don’t have an auto insurance policy then buying an auto insurance policy must be your top priority at this point of time not just for your own sake but also for the sake of your loved ones.
Having an auto insurance policy also improves your chances of getting a rented vehicle because if you will possess a policy beforehand the owner will trust you with his vehicle. He will be comforted with the idea of handing over his vehicle to someone who already has an insurance policy because then he will think that his vehicle is in safe hands and he is handing it over to someone who is quite responsible.
Before jumping to any conclusion one thing must be made very clear regarding insurance policies of rented automobiles, which is, in the scenario of an accident the owner’s auto insurance policy can’t be overcome by non-ownership auto insurance policy. It is to be paid only if the coverage sum of owner’s cat insurance policy is exceeded by the amount of the claim. Before making the final decision one must make a comparison among the free insurance quotes of all the various different insurance companies.
Getting free insurance quotes a few years back would have appeared like an endless and a tiring task but with the help of modern technology like Internet it has become quite comfortable.