Read you may know someone who needs this information
Here is a safety net for those without cars. No Name car insurance for those who do not own a car and no one in the home has a car. My neighbor drive his family’s, friends’, or rents a car. Since it is against the law to drive without insurance he purchased insurance for $185 a year. He makes payments instead of a one lump sum. He is within the law which protecting himself and the owner’s car. He uses his bicycle, walks, or takes the bus for 50 cent the rest of the time. His insurance covers the following: 1 9999 NONAMED NON-OWNER VEHICLE INFORMATION:
Coverages 2,500 miles a year Limits ($) Vehicle 1
Bodily lnjury 1 00,000/300,000 $69
Property Damage 50,000 $50
Medical Payments 5,000 $31
Uninsured/uninsured Motorist Bodily lnjury $35
Comprehensive (See Deductibles)
Collision (See Deductibles)
Car Rental Expense (See Above)
Uninsured Collision Uninsured Deductible Waiver
12 – Month or 1 year vehicle premium $185.00
Just check your state car insurance companies that you are interested in purchasing. Check your own city hall for breaks for senior citizen rides like homes, rentals, transportation, and discounts. All my best to all!
Additional Information: Whether you are lending or borrow the car the following information you may find interesting. Nothing in life is straight forward especially when it comes to insurance. Policies are not all the same. I pulled the following information off the internet. Comprehensive and collision auto insurance coverages are tied to the insured vehicle (they follow the car). These coverages pay for damage that befalls the insured vehicle as a result of an accident or vandalism. One could say that if you loan your vehicle, you loan your insurance. With comprehensive insurance which covers almost everything, it is the car rather than the driver that is covered. This, however, requires many stipulations to be put in place, such as who is allowed to drive the car. If someone other than the insured is driving a vehicle covered by comprehensive coverage and is not listed as a covered driver – even if the other person has permission – the other person might not be covered in an accident. Family members (such as children or a spouse) are generally already included in the policy definition of “insured.” However, rarely will insurance cover a driver operating a vehicle without the owner’s permission.
Other Drivers Driving the Insured’s Vehicle
When an insured allows other drivers to drive his vehicle, then, and only then, does the question of whether insurance follows the car or the vehicle become even awkwardly relevant. The right question to be asking is not whether insurance follows the car or the driver, but whether or not other drivers will be covered by the insured’s auto insurance. Unfortunately, there is no bright line answer to the question, and it depends greatly on the language of the policies involved, the jurisdiction you are concerned with, and the specific facts involved. Permissive use is generally covered under the liability terms of an auto policy. As always, however, there are exceptions.
There are certainly insurance carriers and policies that will not cover any driver not specifically named in the policy. Other relevant facts include where the “other driver” resides and if they are related to the insured. In general, if someone is living in the insured’s household and regularly drives the insured’s vehicle, many insurance carriers expect you to have that person named on the policy. They will need to undergo the same underwriting and qualification process as any other policyholder.
In some cases, if a family member is visiting and has permission from the insured to drive the family vehicle, there will be coverage if there is an accident, but the coverage may be limited. All policies should be reviewed to determine if there are any excluded drivers and any limitations on coverage for anyone driving the car that is not specifically named on the policy. You will not know for sure unless you read the car owner's policy.
