Do You Need Insurance To Drive A Car
As with most insurance answers it depends.
Do you need insurance to drive a car. You want to try to save yourself as much money as possible. The information can be found on state government websites or by calling your local dmv. You do not need insurance to drive someone else s car but there are risks inherent in operating that car. And many states demand that a car have registration even if not in use.
Insurance rules when a car is not driven. Or borrow a car from a friend for a few days only you probably haven t got a lot of time to look all of this up. Well you don t have too. You do not necessarily need to take out a policy in your name.
Now you can really start to tailor the insurance you buy to what you really need i mean who wants to buy an annual policy if you only use your car at the weekend or once in a blue moon when you escape the city. However in most instances you are still required to have a policy. Remember it s illegal in almost every state to drive a car without proof of insurance and the consequences of driving or being involved in an accident without proper insurance can be severe. If you don t drive your car you might think that you can eliminate car insurance.
Relying upon another person s insurance coverage might not be a good idea. Changing your insurance to comprehensive only or storage insurance may be a possibility if your car needs repairs if you have an alternate vehicle driven on the same car insurance policy. Dropping liability coverage would be okay. However there are exceptions and ways to work around this.
You are taking a chance of having insufficient insurance coverage and the potential for personal liability. You can be insured either by the car owner himself or by non owner car insurance. You need car insurance to drive someone else s car. The minimum amount of insurance you need is based on the laws in the state where you live.
You might want to consider having comprehensive insurance on a car you re not driving simply because it ll help you save on insurance premiums. You can find and compare car insurance rates online in just minutes with our free multi company comparison tool. We ve done the leg work for you. Remember you will usually need to insure a car to your state s legal coverage limits which includes carrying liability coverage in all states but new hampshire.
When you cancel insurance on a car insurers will categorize you as a high risk driver as you will have a lapse in coverage. Knowing what your auto insurance covers. Although you can find affordable car insurance premiums if you don t need to pay them at all it s certainly a benefit. Scenarios and solutions exceptions that allow not.
You will not know until you have an accident and then it will be too late to protect yourself.
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