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What is Temporary Car Insurance

Updated on September 13, 2011

As we all know, car insurance is a requirement for anyone choosing to drive a vehicle. While shopping for car insurance can be a pain, it is a necessary evil. Insurance is in place to help keep drivers safe when they are out on the road. Every time you get into your car there is potential that you may be involved in some type of accident. This is why insurance is so important, car insurance will help cover the expenses that can occur due to any type of accident or damage that involves your vehicle.

Types of Car Insurance

When you are shopping for your car insurance policy it is easy to become overwhelmed by all the different policy options that are available. The most common types of insurance are liability, comprehensive, collision, and GAP. One type of insurance that many people do not know about is temporary car insurance.

Liability insurance will cover any damages to the other person’s vehicle when you are involved in an accident. This type of policy is the very basic coverage a person may have on their vehicle. Most states will require a person to carry at least liability coverage on their car.

Comprehensive insurance plans cover your vehicle from any type of damage that may occur due to natural causes or because of theft or vandalism. This is the type of coverage that is used if you should hit a deer or if your car has damage due to hail or wind. Comprehensive coverage will also be used if you should hit a tree or other object of this type.

Collision coverage offers protection for your vehicle if you are involved in a crash with another vehicle. This type of insurance is usually part of a full coverage insurance plan option.

A GAP insurance policy is an extra coverage that some people choose to have when they purchase a new vehicle. This insurance will cover the difference between the cash value of your vehicle and the amount that you still owe on your loan or your lease.

The other type of insurance that most people may not know about is temporary car insurance. This type of car insurance can be useful in several different situations. Most commonly people will obtain a temporary car insurance policy when they are going to be borrowing a friend’s car for a period of time.

How Temporary Car Insurance Works

There are several different time periods a person can choose from when looking for a temporary car insurance policy. The type of temporary insurance that you need will depend directly on the situation. Most insurance companies will have temporary policies for a day, week, month, or three month period. This type of insurance is usually charged on a monthly basis and may require a person to make an initial deposit. Normally an insurance company will have a flat rate that they charge for their temporary insurance policies.

There are many different reasons a person may require a temporary insurance policy. When a person first purchases a vehicle they will need to find an insurance policy right away. In addition to needing a policy immediately a person will need to determine the type of policy they want as well. Obtaining a temporary insurance policy will allow an individual some time to consider their options before purchasing their full term policy.

When driving a friend or relative’s vehicle it will be important to make sure that you have insurance. Depending on the amount of time that you are going to be using their car will determine the amount of time you need your temporary insurance policy for.

When renting a car while on vacation the rental company will offer you insurance at a very high price, a temporary insurance policy offers a cheaper way to make sure that you are protected while driving a rental vehicle.

It is important to understand that a temporary insurance policy should not replace a full-term insurance policy. If you are having difficulties affording car insurance a temporary policy might offer a cheaper solution on a short-term basis. It is important to make sure that temporary insurance policies are recognized in the state you live in before you purchase this type of insurance policy.

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