The mind has car insurance when you don't have a car it might sound ridiculous, but there are times when it's a smart thing to do - even if you don't plan to drive.

If you don't have a car, you still need car insurance if you want to drive while traveling, for example, or want to prevent your future level from spiking because of coverage. For this situation and more, the type of coverage called "non-owner" car insurance might be a good idea. Keep reading to find out if you need non-owner car insurance.

Is it non-owner car insurance?

Insurance is not the owner (also called non-drivers insurance) is a form of car insurance that gives you the coverage of accountability for body injury or damage to the property you caused when you drive a car that you don't have. In most cases, coverage will be the minimum amount needed by your country's law; However, you can usually add a higher level if you want.

Depending on your insurance plan, non-owner insurance can also cover the coverage of medical payments (sometimes called personal injury protection), which includes medical and other costs if the people in the car you drive are injured in an accident. This may include insurance accountability insurance that is not insured / less insured, which can help pay medical bills and other expenses if other drivers do not have adequate insurance. Some policies even cover towing services or rent a car to replace repaired vehicles.

Non-owner car insurance only includes liabilities; It does not include a comprehensive collision or insurance, which covers the damage or theft of vehicles that you drive. That's because collision and comprehensive coverage is valued based on specific cars that you drive. Without a way to predict what cars will you drive as non-owner owners (will the old beat or BMW new?), Insurance companies cannot offer protection for the vehicle itself.

Sometimes, non-owner insurance is needed to comply with court orders. If you have serious moving violations, such as driving while drunk, the court may require you to bring non-owner insurance to keep your SIM. The insurance company will apply for what is called the SR-22 document (or FR-44, in Virginia and Florida), stating that you have the minimum insurance needed by the state.

Who needs non-owner car insurance?

Why do you need non-owner car insurance? Here are some common reasons you might want to buy this coverage even if you don't have a car.

You want to maintain sustainable automatic insurance coverage. Insurers like to see a record of insurance insurance coverage. Rest in your coverage - even if you don't have a car during that period - can make it more difficult to get automatic insurance later or make it more expensive.

You often rent a car. If you travel a lot and rent a car on your trip, you might want insurance not the owner. Keep in mind that insurance is not the owner does not cover damage or loss of the car itself. For this reason, you can buy the Kingdom of Company Cressage Company Company or Loss Waiver coverage, or rent a car using a credit card that provides this coverage.

You often borrow a car. If you borrow a friend's car and experience an accident, your friend's policy will kick first and insurance not your owner can cover any obligation that is not borne by your friend's policy. However, if you often borrow a car or from someone in your household, non-owner policy may not cover you. The car owner in question must cover you on their policy to ensure you are closed if you borrow their car.

You use car sharing services such as Zipcar and Car2go. Although this service can provide limited insurance protection in certain situations, they usually focus on damage to the car rather than injury to yourself or others. If you often use car sharing services. Having insurance is not your own owner can offer peace of mind.