Auto Insurance Policy For Non Car Owners
Reader’s Question:
I have a driver’s license in Texas but I don’t have my own car. I’m considering a local job opportunity that may require me to drive a company vehicle. What type of auto insurance policy should I have?
Harry
Abilene, TX
Harry, you’re right on track in asking about auto insurance when you have a driver’s license but don’t own a vehicle. I guess you know, or at least have a hunch, that when you drive motor vehicles owned by other people, you gotta be sure you’re covered if you unexpectedly find yourself directly involved in a road accident in Abilene Texas TX. Also, if you find yourself stopped by a law enforcement officer for any reason and you’re asked for an auto insurance card, you got something valid to show.
My recommendation is for you to consider getting yourself a non-owner’s auto insurance policy in Abilene Texas TX, which will be secondary to the primary auto insurance policy of the owner of the vehicle you’ll be driving. It will answer for financial liability you incur if there’s an accident where it can be established that you’re at fault. Since it is issued in your name and you carry an auto insurance card for it, a non-owner’s auto insurance policy becomes proof of insurance required by law.
You can find information on comparative non-owner’s auto insurance premium rates when you enter your zip code on the form you find on this page, then click on the links provided.