NY Car Insurance -- For Non Car Owners?

Why should anyone who does not own a vehicle even bother about getting a New York car insurance policy? Good question! Owning a car insurance policy even though you do not having a car would be a brilliant decision in a number of situations to be discussed shortly.

Since you live in a city that has a mass transit system, you will not need a personal vehicle for your daily routine. You can visit a car rental service at any time you want to go for a picnic or vacation.

Along with renting a vehicle, you will aslo have to buy an auto insurance cover for the rent period. These rental service sell such auto insurance policies. However, depending on how regular you have to rent a vehicle, you might be better off with a non-owner auto insurance policy.

Another reason will become apparent if you intend to borrow a vehicle. Everybody will feel more comfortable realising thier car to you if they know you're so thoughtful as to even buy a auto insurance policy. Does not the gesture of getting a non-owner car insurance policy show you such a person is very thoughtful? If you can prove that you're very responsible, people will love to deal with you.

Now, you need to understand something about a non-owner New York auto insurance policy. Your non-owner's policy can't override the auto owners policy. It kicks in only if the vehicle owner's policy's liability limit can't take care of the damages caused. As an example...

Let's say you had an accident with a borrowed car that resulted in damages that totalled $27,000. In spite of your non-owner's policy, the auto owner's policy will be used if his/her liability limit is, say, $30,000. If, on the other hand, there's a deficit where the car owner's policy can't cover such damage, your non-owner's policy will take care of the balance.

Now, if you are about to buy any form of auto insurance policy, you need to take advantage of disparities in rates by different companies. It's very ethical and legal and can save you up to $1000...

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