Talk to a DUI lawyer right now!

Non-Owners Auto Coverage Manhattan New York NY

Reader’s Question:

I moved to Manhattan, New York and intend to use the public transport to go to work everyday but I would be using someone else’s car during the weekend. The owner’s don’t have insurance on it yet, so am I required to get insurance when I use it?

Rudolph

Manhattan, NY

It would be highly recommended to get a Non-owners Auto Insurance Policy when you will be using someone else’s car in a regular basis. Not only is is a very responsible way of showing appreciation to the person or people who allowed you to borrow their vehicle, both of you would feel much safer that in the event of a car accident you are capable enough of taking car of any ensuing damages or injuries.

Once you find a suitable car insurance provider there in Manhattan, New York your Non-owners Insurance Policy would typically include coverage for liability due to injuries or property damages, medical and hospitalization payments, and uninsured or underinsured motorists’ coverage. A Non-car insurance policy, however, might not include comprehensive coverage, towing and rental re-imbursement as well as collision insurance. So although those you may have injured in a car accident may be provided re-imbursement by your Non owners insurance, the same policy might not give you coverage for any injuries, medical expenses you might have obtained.

Now you may be wondering if it would be better to just get rental car insurance if the car you will be using is a rental. This depends how long you’ll be using the rental. A decent rental auto insurance may cost anywhere from $10 to $25 a day, that’s on top of the actual daily fee for the vehicle itself. So in the long run, it is more beneficial for you to get your own car insurance policy.

 

Tags: auto insurance, auto insurance premium, car insurance discounts, car insurance quotes