I do not own a car, do I need to get a non owners auto insurance in Texas?

Jack

Houston Texas

Yes, Jack.

Just because you don’t own a car doesn’t mean that you shouldn’t get an auto insurance. In fact there are times when you have to rent a car in order to go around the city. If you are doing this, then, it is time you consider buying non owners auto insurance.

From the term itself it is easy to understand that this type of insurance are for those individuals who don’t own a car but rent a lot or for those who drive company cars. Unlike the regular automobile insurance, the non owners auto insurance is somehow limited in its scope of coverage. It doesn’t even provide comprehensive and collision coverage. Despite the limitations it is still important that you acquire a non owners auto insurance.

If you get into an accident while driving a rented car, you can use your auto insurance to cover the cost of the damage and at the same time protect your assets. This will also keep the rental car company from filing legal actions against you in order to recover some money.

A non-car owner insurance can also increase the chances of you getting to rent a car without much hassle. If you have a policy beforehand the rental car company owner will willingly entrust his vehicle to you. Having a policy is like a testament of you being responsible for your actions.

It is true that most rental car companies have car owner’s policy for each of its units. If you get into an accident and the car owner’s policy is not enough to cover the damages, then you can use your non-car owner protection to settle the balance. In this way you won’t have to worry about paying extra for the damaged car.

Most rental car companies offer short term insurance policies and you can buy this every time you rent a car from them. If you rent often constantly buying short term policies from the company can be costly. So if you want to save money on this, buy your own non car owner coverage in Texas.