Some people won’t have the idea of non-owner car insurance. What it basically is and how it works. If you don’t have your own car or you sell your car and you are driving someone else’s car like a taxi or and you have met an accident. Then, this non-owner insurance works in a way that it pays for the damages done to the party to which you have hit your car in an accident.
The rules of this insurance policy say that they will not meet the damages to you and the car you have rented. To sell any car and drive the rented car, the insurance will just compensate for the other party. But if have borrowed the car from someone at home, then there is no need for this insurance as you may be listed to the noninsurance policy of them. It also depends on the state and the insurer too.
The Process to Buy Non-Owner Insurance
If you want to buy the non-owner insurance, you may have to call or visit the insurance agent. Some agents and companies offer this insurance just to the existing customers. But most of the giant insurers offer this insurance, you can contact them. Some agents don’t provide the information online so you have to call or visit them personally.
What non-owner car Insurance Covers?
A non-owner vehicle protection strategy commonly consolidates just the necessary addition types in your state, however, you can choose limits higher than the essentials. These may include:
- Liability coverage for property harm and wounds you cause to other people, aside from your passengers.
- Uninsured/underinsured driver assurance, which pays out in case you’re harmed in a mishap brought about by a driver with no or enough obligation protection.
- Medical installments or individual damage security, which pays for your wounds after a disaster area regardless of who is faulty.
Non-owner insurance does exclude impact or thorough protection. In a standard auto arrangement, that inclusion pays for fixes or substitution of the vehicle you claim.
When to Buy the Non-owner Insurance?
Did you sell any car in Dubai and you don’t have your own car? Are you driving a car you on rent? You must do one thing to buy non-owner insurance, so in case you meet an accident, you don’t have to may to the party involved in the accident with you. The non-owner car insurance will not pay for the damages of your can and your own injuries but the wounds and the car or property damages of the people involved in the accident.
How to Shift Car Insurance?
If you are planning to sell your car in Dubai and your car is insured, you have to shift your insurance to the buyer of your car. You have to follow the proper procedure. If the time period is less than a month, then you can ask the buyer to have a new insurance policy otherwise you will shift your insurance and the ownership. So, if you did sell any car and started driving a rented car, you must get this non-owner insurance but if you are borrowing the car from your relative or so, then there is no need to avail of this insurance.