How To Get Insurance On A Car Not Registered To You And Why?
When circumstances arise that put you in the driver’s seat of a car not registered to you for either a short or an extended length of time, you’re going to need some advice on how to get insurance that will protect you while driving that vehicle. Go directly to your computer and access your favorite search engine. There you will find suggestions on where to get the insurance you need and why it is crucial for you to have it. If you are driving any car that is not insured by someone in your household, then you definitely need your own insurance.
If You’re in an Accident
Only the registered owner may collect on damages to the vehicle that you are driving if you are in an accident. However, without your own auto insurance, you will be ticketed and the owner of the car can sue you for damages. Also, you are not covered by personal injury protection (PIP) for any medical injuries that you may sustain in a collision. The person to whom the vehicle is actually registered, if you don’t have insurance, will be stuck with the costs of your accident by their own insurance company.
For the Times You Have to Borrow a Car
Why might you need to get car insurance on a vehicle not registered to you? Perhaps you have just moved to a new location and a family member or close friend is willing to loan you their extra car until you get situated. Insurance companies do recognize that many situations exist, including car rentals, where a person might be driving a car not registered to him or herself. Maybe you intend to buy a car from an individual and they agree to let you drive the car for several months as long as you make a significant down payment and bring them proof of insurance before they let you have the key! If you are purchasing a used car, don’t forget to register and insure it immediately.
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- What to do if I Don’t Have Car Insurance?