Los Angeles CA Auto Insurance -- Non-Owner, Why Bother?

A Los Angeles CA car insurance policy for non car owners? What for? Hold on tight because you are in for a big surprise! There are a number of situations that you will find yourself in and you will find that getting a auto insurance is a very smart decision.

You may not own a personal vehicle for your daily routine since you live in advanced city with an efficient mass transit system. Car rental services are regularly ready to take care of those times you may need a vehicle for special occassion.

These rental companies sell insurance if you want to cover your rent period. This may not really amount to so much if you hire a car once in a long while. The opposite is the case if you hire a car often making it more costly than getting a non-owner auto insurance policy.

Moreover, your acquintance and relatives will feel much more comfortable giving their cars to you if you need to use one. If you are a car owner, who would you consider more responsible: The person who has a non-owner car insurance policy and the person who does not? And, people are much more relaxed dealing with thoughtful people.

Hold on. A Los Angeles CA non-owner car insurance policy works within a certain rule. The vehicleauto owner's policy still takes precedence over your non-owner's policy in the event of an accident. It functions only if the vehicle owner's policy's liability limit can't take care of the damages caused. As an example...

Assuming you borrowed a car and had an accident where you caused a damage of twenty seven thousand dollars. In spite of your non-owner's policy, the car owner's policy will be used if his/her liability limit is, say, $30,000. However, if in the same case, the owners liability limit is fifteen thousand dollars, your insurance cover the balance.

It's good that you know that irrespective of the kind of policy you want to buy, you can get huge savings by capitalizing on the disparity in car insurance rates. This can save you several hundred dollars. Moreover, it's very ethical -- No fake deals here...

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