Importance Of Temporary Auto Insurance Coverage

August 19, 2017 · Posted in General Articles on Car Insurance 
by Susan Reynolds

Insurance doesn’t become any less necessary even if you’re only going to be driving a car for a short period of time! Whether it’s because your main car is in the shop or some other reason, whatever vehicle you’re using to make do in the meantime for a few days or weeks still needs to be insured for your safety and everyone else’s. Fortunately, getting insurance for a brief span of time doesn’t have to be hard or cumbersome. In fact, some companies offer auto insurance policies designed just for those kinds of situations.

Temporary or short term auto insurance gives you just the same protection as any other good insurance policy, but it applies for a specified amount of days. It can also be a useful policy choice if you have a temporary driver involved in your long-term vehicle, allowing you to properly insure the other driver while not impacting your overall major insurance policy.

Just like regular insurance policies, temporary ones can be comprehensive or a more bare bones liability coverage. Comprehensive doesn’t necessarily take care of every single potential expense or accident, but they do handle a great deal more than simple liability. Injury and damage to oneself, others, property, or temporary drivers is all taken care of. Other common dangers, like collisions, thievery, vandalism, weather damage, and fire damage are often generally covered by comprehensive policies as well.

Coverage is not limited to accidental injury and property damage to you or another named insured driver on the insured vehicle. Comprehensive also covers other circumstances like collision, theft of items within the vehicle, vandalism, damage by the elements, fire and other accidental damage. In most cases coverage also includes other damage that is not caused by the temporary driver. In contrast, third-party liability coverage only includes damages that are caused by the temporary driver to another person or property.

Thanks to the glories of technology, obtaining quotes for short term policies is very easy. You can get quotes from a wide variety of sites online, and then compare them to see which ones offer the coverage you need at the best price. There are even sites designed to help you directly compare the different quotes so you have to do even less work! This can save you a lot of time and money, and you may not even believe how fast and simple it is until you’ve tried it for yourself. Don’t be afraid to look at policies from many different reputable companies, the tools are out there to make it a non-stressful process.

And finally, this is so important that it’s worth repeating: do NOT think that you can get away with no insurance just because you’re only going to be driving a vehicle for a short amount of time! You can’t know when an accident will or will not happen. You can’t predict the wiles of a thief or vandal. If you get caught unprepared in just assuming that the best will happen, you could end up paying a lot more than any temporary insurance policy would have cost you in the first place. Push yourself the extra bit necessary to stay insured all the time, and you’ll feel safer as well as be safer.

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