Understanding Non-Owners Car Insurance

Non-owners car insurance is a policy you purchase when you do not own a vehicle. It provides car insurance for an individual who wants coverage when driving other’s vehicles. In most cases, the only coverage available on a non-owners’ policy is bodily injury liability, property damage liability, medical payments, and uninsured motorist. Non-owner policies will not include comprehensive nor collision coverage. The coverage is designed to pay for damage to the owned vehicle for perils such as theft, collision, fire and so forth. Since the policy doesn’t cover owned vehicles, these coverage cannot be purchased.

Coverage does not extend to household members and only applies to the person listed on the declarations page. In the event of an accident, the non-owner policy is designed to pay after the car policy coverage is exhausted. Therefore, it is designed to be a secondary policy. For these reasons, a non-owner policy is not designed for teenagers that want to be covered when driving their parents’ car. If an accident occurs and it is the teenager’s fault, the parent’s primary policy will not provide coverage, as the teenager is not covered. The non-owner policy only provides coverage for the teen. Therefore, the parent’s interests are not protected in this scenario.

Non owner policies were designed for a person that does not own any vehicle and does not have regular access to a particular vehicle, including work related vehicles. Additionally, you cannot add any drivers to this type of policy. Only the named insured (the person who was issued the policy) will have coverage.

Usually, coverage is not provided for any of the following:

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Should you purchase Personal or Commercial Auto?

If your business owns a vehicle then a personal auto insurance coverage may not offer you the protections that you need. Instead, commercial auto insurance might be the better choice, limiting your liability and offering more comprehensive coverage.

Difference between Commercial and Personal Auto Insurance

As you can probably tell, commercial auto insurance and personal auto insurance differ because one is meant to cover your commercial (or business) automobile or fleet and the other your personal automobile. But the difference is actually more than that. Personal auto insurance covers insurable events like the bodily injury of you, your passenger, or another driver. It also covers collision costs, uninsured motorist claims, theft of your personal assets and property damage liability when caused by your personal vehicle. Commercial auto insurance has a different set of liabilities to cover. For example, let’s say that the passenger in your car is not just a friend or family member along for a ride somewhere—as it would be in a personal vehicle—but a client that is paying you to drive them to a certain location. Or, let’s say that your vehicle is stolen not just with your personal DVD’s and laptop in it, but expensive business equipment owned by your client that you were meant to transport somewhere. In both of these examples, not only are the cost of the missing goods or injuries going to be part of the claim, but the loss of use and loss of business caused by the interruption by the insurable incident and subsequent repair of your car could play a major role in the impact of the claim. Additionally, the liability you as the business owner carry as the responsible party to your client’s goods is also much greater than the personal liability involved in losing a few DVDs.


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How to Compare Austin Car Insurance Rates and Policies

If you are looking for a new car insurance policy, your first instinct is probably to compare insurance premiums in order to make sure that you get the best deal on your policy. But comparing rates alone will not give you a good indication of which policy is more cost effective, reliable and better suited to your overall needs. Use this list to help you narrow own your choices for all the reasons you should consider, not just price.
 
1. Compare coverage options.
Check out the coverage options for all the different policies you have gotten quotes for. Make sure they are comparable and that they offer you the protection that is most important to you. This may mean they only consist of state-required coverages or that they include additional protections like uninsured motorist coverage.

2. Compare deductibles and limits.
Policy premiums will vary, especially if you set different limits and deductibles on each. It isn’t a fair comparison to put an inexpensive policy with high deductibles and low limits up against one with low deductibles and high limits. So when you do your comparisons, make sure the deductibles and limits on each policy, for each coverage option, are similar.

3. Compare A.M. Best ratings.
An insurance policy is only as good as the company that issues it. When comparing two different policies from two different companies, don’t just focus on price, deductibles and coverages; take a look at the A.M. Best rating for each company to make sure they are equal in terms of financial stability.

4. Compare customer service and payment options.
If you like to do business online, make sure that the insurance companies you are looking at have that capability. If you prefer to talk on the phone, make sure they can do that. Also, check out their different payment options (online, automatic draft, check, etc.) and choose the policies from those companies that have what you are looking for.

5. Compare rates.
Now that you’ve made sure that you have several similar policies from different companies, it’s time to actually look at the rates and compare them. Be sure to check out all premium types—the annual, semi-annual, quarterly and monthly so that you get a good idea of the differences.
Once you’ve compared all these items and narrowed down your choices, you should finally come up with the policy that meets most, if not all, of your criteria.


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Texas Car Insurance

Texas law requires drivers in Texas to pay for the damages they cause. Texas residents do this by purchasing Texas car insurance. Car insurance in Texas pays to repair or replace the other driver’s car and pays other people’s medical expenses when you are at fault in an accident.

You must carry at least the minimum amount of car insurance coverage required by the Texas financial responsibility law. Texas minimum liability limits were $25,000 for each injured person, up to a total of $50,000 per accident, and $25,000 for property damage per accident. This basic coverage is called 25/50/25 coverage. Texas Car insurance limits increased on January 1, 2011, to $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. The new car insurance limits may be seen as 30/60/25.

Because of new vehicle prices and the rising cost of medical care, the minimum amounts might not be enough if you cause an accident. If your Texas car insurance limits are too low to pay for all of the other driver’s costs, the driver may sue you to collect the difference. To protect yourself financially, we recommend buying more than the basic limits. Consider buying liability limits seen as 50/100/50 or higher.  When you compare quotes with us, we set the default limits of coverage to 50/100/50 for you.  They can be changed easily upon your request.

We are here for you; no hold times or automated systems. Quickly and easily submit your information for a free Texas car insurance quote using the best technology available. Enjoy the convenience of shopping online and feel confident knowing we are here for you when you need us.

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