Can I Get Short Term Car Insurance Cover

June 22 2009 by author in Uncategorized |Comments Off

Reader’s Question:

Is it possible for my sister in law to get short term car insurance cover? maybe for six months? She is Mexican and will be visiting us here in Illinois. Is it possible for her to get car insurance here?

Mark

Chicago IL

 

I recommend that your sister in law should speak with her car insurance company in Mexico. She needs to see if her Mexican car insurance has any extra coverage she can get to her car for her six month visit in Illinois. A lot of car insurance providers appear to have what is called border auto insurance for trips into the United States from Mexico.

If your sister in law is unable to obtain the needed insurance, the next best thing to do is to ask your auto insurance provider if it is possible to add your sister in law to your auto insurance policy. Without her having an Illinois drivers license, it may be difficult to find an insurer that will cover her. However you can still ask your auto insurance company if they can get short term car insurance cover. Ask your agent for more information regarding this.

Cheap Short Term Car Insurance

January 30 2009 by author in Uncategorized |Comments Off

Reader’s Question:

What are the instances that would require the coverage of cheap short term car insurance?

Sean

San Francisco, CA

Cheap short term car insurance can be obtained to provide coverage for a friend or family member borrowing your car for just a number of days. This type of insurance can even provide coverage for an overseas visitor you authorize to drive your car. When there are cases that you need to drive courtesy cars, then this type of insurance coverage will provide you with sufficient protection and will prove to be very cost-effective. Moreover, short term car insurance is a popular choice among individuals who do not want their personal car insurance policy be affected in case the driver they lend the car to gets into an accident. This way, their clean insurance record will not be marred, and they still get to take advantage of the no-accident and no-claims promos.

Do some shopping around to get cheap short term car insurance. You can do this by obtaining quotes on the Internet. Most car insurance companies that offer regular coverage also offer such specialty types as short term car insurance. Just like regular car insurance, the prices range from very expensive to very affordable. So, it should not be too difficult to look for cheap short term car insurance. Besides going online, you can also talk to your current local insurance agent for assistance on the matter.

Getting Short Term Car Insurance

January 30 2009 by author in Uncategorized |Comments Off

Reader’s Question:

I’m considering to get short term car insurance once we go on vacation because we’re gonna be borrowing a friend’s vehicle because ours is too old for a long road trip. Will short term car insurance affect my annual policy here in Georgia if I file a claim?

Grant

Savannah, GA

If you are going on vacation using a friend’s vehicle, you can buy short term car insurance for up to 28 days at a time. There are a lot of insurance providers that offer short term car insurance for cars and vans. The good thing about this is that you can buy short term car insurance online if you visit the Websites of various car insurance companies.

An advantage of short term car insurance is that you can opt to insure a vehicle for a short period and it would be a different insurance policy. It will not affect your annual policy in Georgia as well should you file a car insurance claim. With short term car insurance, you can also have an advantage of getting uninsured loss recovery policy, which is a daily rundown coverage for the same time as the annual policy.

Short term car insurance is specifically helpful in case you need more dependable vehicle or more storage than you have in your own family vehicle. Short term car insurance is totally comprehensive in general, but you have to shop around to get the best possible rate for your short term car insurance. In case your vacation would require you to travel for more than 28 days, you may get a further term of coverage one after the other, so that will give nonstop coverage beyond 28 days.

Short Term Car Insurance For A Vacation

January 23 2009 by author in Uncategorized |Comments Off

Reader’s Question:

My cousin is gonna have a vacation real soon here in Illinois and he was asking me if he could be added to my car insurance policy for just a short period. Can we do that or is there something else that he can get?

Jaimee

Joliet, IL

There comes a time that you will need to use a car for just a short period. Since your cousin is gonna have a vacation in Illinois, I bet he would have to borrow your car or somebody else’s to go anywhere he wants. Of course, he would need to have car insurance to go along with that. And what he really needs is short-term car insurance for his vacation.

Short-term car insurance has been made available for drivers who will need car insurance on a temporary basis. The good thing about short term car insurance is that if he would be added to your car insurance policy and he gets into an accident, you’ll lose your no-claims discounts. With the use of short-term car insurance, the car owner and the temporary driver would be at ease.

It was so difficult to get car insurance before, but with several policies available, it turns out to be less troublesome. Short-term car insurance can also be very helpful in case you are test-driving a vehicle or perhaps borrowing a friend’s truck when moving residence. Short-term car insurance will resolve the problem of anyone who would like to prevent putting themselves on someone else’s car insurance.

How To Get Short Term Car Insurance Policy

January 18 2009 by author in Uncategorized |Comments Off

Reader’s Question:

I just recently moved from East coast to the West Coast and since I was not able to plan for it, I left my car in my parent’s home. I plan to ask my sister to drive it all the way to my new place but I am afraid of her getting in an accident like she did with her own car. Is there an insurance that would cover her and my car during the trip?

Ally

San Diego, CA

There is an insurance that covers cases like yours and it is called a short term car insurance. As the name implies, this type of insurance covers short period of time. While most insurance coverage insures vehicles for one year, short term insurance could be a one day to 4 weeks. Most of these policies don’t cover more than one month but they can always be renewed.

Like other car insurances, short term car insurance protects you and your car from damages due to accidents. It even covers any damage caused by fire, theft of vandalism. This would really be useful for you since a drive from the east coast would take days and a lot of stopovers. Most companies also protect the driver from any legal liability claim due to accident caused by your car. In instances when the person getting the insurance is just test driving a new car or delivering it from the dealer to its new owner, car replacement can even be part of the benefits if the car has been stolen and never recovered.

It is fairly easy to get a short term car insurance as well. There are even insurance agencies that offer these policies online. All you need to do is fill up their forms and pay using your credit or debit card on their secured websites. Most of the information you would need regarding coverage as well as exclusions are also readily available. If you need to clarify more things or ask questions that are not answered on the literature found in the internet, they also have toll free numbers that you can contact and their respective customer service representatives could assist you.

Short Term Car Insurance for Out-of-State Travel

January 16 2009 by author in Uncategorized |Comments Off

Reader’s Question:

Do I need to get a separate short term car insurance when I drive out to California or will my present insurance cover me there?

Fred

Miami, FL

Most car insurance companies provide coverage for one year. However, there are special cases wherein an individual will need a car insurance coverage for only a few days. Since you will be driving to California from Florida, your current car insurance should be sufficient enough to cover you in case you get into an accident outside of your home state. This means that the Personal Injury Protection (PIP) you have in your state will still take effect if ever you get into a car crash in a state that observes the tort law where the fault has to be established first to determine who gets to pay who. This also means that you may still be able to collect against your PIP even if the other party’s liability insurance already paid for your medical care. However, you will need to speak with your local agent about this just to be sure.

If you will not be covered, then you may inquire if they offer short term car insurance. If they do not have this, then you will need to shop around for short term car insurance from other providers. You can do this by checking out various car insurance websites. You can also make some calls to insurance brokers. Be sure to get short term car insurance that will give you as much coverage as possible such as personal injury, and liability for bodily injury and property damage.