LA California Auto Insurance -- Why Non-Owners Need It?

A Los Angeles California car insurance policy for non vehicle owners? What for? This is such a brilliant question! There are a number of situations that you will find yourself in and you'll find that getting a car insurance is a wise decision.

You may not own a personal car for your daily movements since you live in advanced city with a good mass transit system. You can visit a car rental service whenever you want to go for a picnic or vacation.

Along with renting a vehicle, you will aslo have to get an auto insurance cover for the rent period. These rental service sell such car insurance policies. This may not really amount to so much if you rent a vehicle once in a long while. The opposite is the case if you hire a vehicle usually makes it more costly than buying a non-owner auto insurance policy.

If your friends and family members know that you have a car insurance policy they will be more likely to lend their vehicle to you than otherwise. Doesn't the gesture of getting a non-owner car insurance policy show you such a person is very responsible? People like dealing with people who show that they're responsible.

Now, you need to know something about a non-owner Los Angeles CA car insurance policy. Your non-owner's policy can't override the car owners policy. It kicks in only if the vehicle owner's policy's liability limit can't cover the damages caused. As an example...

Let's say that a damage of twenty seven thousand dollars is caused by you in a crash. If the auto owner's liability limit is $30,000, your insurance won't be touched. If, on the other hand, there is a deficit where the auto owner's policy cannot take care of such such damage, your non-owner's policy will cover the balance.

It's good that you know that irrespective of the kind of policy you needed to buy, you can make a lot of savings by capitalizing on the disparity in auto insurance premiums. This can save you several hundred dollars. Moreover, it's very ethical -- No fake deals here...

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