Introduction
Driving without insurance is illegal and the driver risks the revocation of her driving license and heavy fines in all U.S. states. Long-term insurance is an unnecessary expense if the car is to be used for a day or a period of up to six months. Short-term car insurance comes in handy to those who do not require long-term use of a car.
How it Works
Short- term car insurance policies cover you while you have temporary use of a vehicle. The period of coverage will range from one day to six months, depending on the need of the driver. The premium is collected monthly or in advance. Coverage can begin on the date agreed upon or immediately. Short-term car insurance includes liability insurance (bodily injury, property damage), physical damage, uninsured and underinsured motorist, and may include medical payments for passengers. Usually insurance companies charge a flat rate for short-term car insurance. This premium might be less expensive than long term insurance. Some insurance companies offer extras like roadside services. Cancellation of short-term insurance policies is usually accomplished with a written request to cancel the policy.
Get Short-Term Car Insurance
You can apply for short-term insurance online and offline. There are many Internet quote engines that compute your likely cost at several different companies based on a questionnaire. You can get the insurance policy from the company that offers the best deal either through their website or from their office.
Reasons for Getting Short-term Car Insurance
You might need short-term auto insurance for a cross-country trip in a rented car, or when you want to protect your stored car from physical damage. Guests from out of town might need to use a car for the short term, and will need insurance. Maybe you have children in college who will use a car during breaks from school. A person who is ill or disabled might need the help of a driver.
The Convenience of Short-term Car Insurance
Short-term insurance is convenient because adding a driver to a long-term auto insurance policy is a cumbersome task. If you do add a driver to the long-term auto insurance policy and the driver is involved in an accident, you lose the no-claim benefits and discounts on your long-term policy. Short-term car insurance will not affect your long-term policy and any number of drivers can drive your car. Short term-car insurance gives the same coverage as long-term car insurance. It has a time limit but the amount of coverage is not limited.
Conclusion
Short-term insurance can be obtained with a fast and simple process for a short period of time and is an important step in aid when an accident occurs to a driver who needs a car only for that short period.
Tags: auto insurance, insurance policy, might need, auto , driver long-term