Car insurance is necessary for every vehicle that is on the road. For some only a temporary insurance may be needed. Fortunately, there are many short term temporary car insurance plans that offers liability to full coverage for as little as a single day term.
Most of us are used to purchasing a car for a long term and getting a long term insurance coverage. Sometimes, you just need a car for one day. You may want to borrow a car, test drive a car, teach a new driver how to drive or for whatever reason you just need a car for a short term. Short term or temporary insurance can offer a cost effective solution for your short term needs.
What Is Short Term Insurance?
Short term insurance usually offers coverage from one day to 28 days. You can have a short term insurance coverage even if you have a major insurance coverage for a different car without effecting your major insurance coverage by having the short term insurance.
Even though the coverage is for an extremely short term, such as one day, the terms of coverage may not limited by much when compared to the traditional long term insurance coverage. Many short term insurance policies will offer comprehensive coverage and a wide range of services.
How To Purchase Temporary Car Insurance
Temporary car insurance can be purchased easily online. Beware of cheap car insurance as the low cost may also have very limited coverage rendering the insurance virtually useless. Insurance, short term or long term, is there to protect you against costs that rise out of emergencies and accidents. Do the research to make sure that low cost doesn’t mean next to nothing coverage.
Make Sure You Know What’s Being Covered
Many temporary auto insurance coverage can be limited. So don’t assume that the car insurance will automatically offer protection against theft, fire, storms or other natural but potentially devastating causes.
This short term insurance does offer loss or damage protection, new car replacement, accident recovery and repair service, and legal liability for damages occurred to a third party vehicle and its passengers.
Often short term car insurance is needed for extra coverage when you’re using a vehicle that is not your own for a short time. People who are borrowing a car from friend or a family member are especially encouraged to look into getting temporary coverage.
Even if the car belongs to a friend who is insured, if you are not on the insurance coverage for protection, you would be putting yourself and your friend in an awkward situation of having to allocate financial liability.
No driver should be on the road without a proper auto insurance. Insurance coverage should not lapse, even for a day if it is on the road. There are many contingencies in life. It is not without reason that car insurance is a mandatory condition for active vehicles on the road.
If you ever have a short term need for a car, whether you are renting a car, borrowing a car, or even test driving a car, you are opening yourself to the possibility of accidents. Be sure to protect yourself.