Short term car insurance convenient for guests, rental vehicles

Dealing with the effects of an auto accident can be costly, stressful and confusing, which is why almost every state in the nation requires drivers to carry a minimum amount of auto insurance. Because getting behind the wheel without coverage for even a day is risky, many insurers offer short-term car insurance policies to satisfy the needs of temporary drivers.

Providing short term car insurance coverage for guests and visitors

Providing coverage for out-of-town guests is the top reason for buying a short-term policy. Most auto insurance plans only provide coverage for the vehicle owner and their immediate family, leaving any other friends, guests or extended family who may borrow it relatively unprotected in the event of a collision.

Protect yourself for up to six months, or even just one day

Short-term car insurance policies can last from one day to six months, making them a convenient option for anyone who may be renting a vehicle. While a driver’s primary auto policy usually covers them in a rental car, extra insurance may be necessary if the policyholder is traveling with expensive items that would be costly to replace. Furthermore, a standard or rental company-provided insurance policy may not be sufficient if an accident victim or property owner ever pressed charges against the driver for a crash that took place if he or she was using the rental.

Who should get a short term auto insurance policy?

Anyone who flips vehicles relatively often or fixes them for profit may also benefit from short-term insurance policies, reported a website specializing in temporary auto coverage. Consumers purchasing a new car can also buy short-term coverage in order to experiment with different insurers and policies and see which one works best for them and their driving habits.

However, experts warn car insurance shoppers that temporary policies are not an adequate replacement for long-term coverage if the policyholder uses their vehicle frequently. While doing so may be tempting for drivers with a tight budget who are avoiding an extended financial commitment, it can actually end up costing more than investing in a long-term plan.

Dealing with a car accident without insurance can have legal and financial consequences. If an uninsured driver is the cause of a collision, it is important for them to contact an attorney as the other motorist could possibly sue for damages. The uninsured may also be required to pay the insured driver’s deductible.