Driving without car insurance is illegal in all states exception of New Hampshire. You could face penalties such as fines, loss of your driver’s license and car registration, and even jail time. However, insurers don't sell temporary or short-term car insurance. All car insurance policies are for six months or one year.
Then, How to get temporary car insurance?
To spend a happy trip, return to your home after the trip without problems and with the least costs, worth some time.
Before starting to display the various temporary car insurance cases, I will explain meaning some of the relevant terms so that you can be good understand this cases.
Liability car insurance pays to property and bodily injury damage for the not-at-fault party of a car accident. Do not pay you.
Collision auto insurance pays for damage to your vehicle as a result of an accident you at-fault.
Comprehensive car insurance pays for losses in your vehicle caused by natural factors such as earthquakes, volcanoes, floods, fire, theft, and hit of animals on the road.
Umbrella insurance is extra liability insurance, provides additional liability coverage above the limits of your auto insurance policy.
Car Rental Companies offers to types of car insurance at following:
Personal Accident Insurance: It covers medical expenses and death in a car accident.
Personal Effects Protection: That covers your personal belongings inside the car.
Loss Damage Waiver /Collision Damage Waiver are two a fee is paid to reduce your liability to loss or damage and collision in the rental car.
Liability Car Insurance Additional
Insurance coverage provided by credit cards
Secondary coverage of credit card to a rented car: means that your insurance will pay car losses firstly and your insurance card coverage will pay your insurance deductible and other expenses that are not covered by your policy. This coverage is common.
The primary coverage of credit card to a rented car: a credit card will pay to damage or loss in car firstly, which means that you won’t pay insurance deductible, your insurance rates not go up after an accident.
All companies of a credit card have a limitation to renting car insurance about a type of car, the car of value, the period of covered by credit card and the countries of covered. Check this.
Most often if your friend borrowed your car for some time, your car insurance policy would cover a car accident.
Your car insurance work with you in any state, provided doesn’t skip the period of the visit per state.
Now, we will display short-term car insurance cases for driving a rented car as follows:
Short term car insurance to a driver has liability, collision, and comprehensive car insurance.
These types of insurance cover your trip by the rented car within the United States; you will not need to buy any temporary insurance. But make sure from:
1- Your liability insurance is commensurate with minimum limits of liability insurance for every state you visit. If not, buying an umbrella can be an ideal choice for you.
2- If you’re renting a car of similar value to your personal car, maybe your insurance coverage will be adequate for the rental. But if not, the coverage "Collision Damage Waiver" offered by the rental company may be a good idea.
Temporary auto insurance for a driver doesn’t have any car insurance.
In this case, try not being prey to a car rental company, will be offered to you:
Personal Accident Insurance. Personal Effects Protection. Loss Damage Waiver and Collision Damage Waiver. Additional Liability Insurance. These types of coverage may exceed $ 50 per day. You can accept this if you need to sameday insurance.
Or resort to insurance auto leasing companies such as:
These companies provide coverage to the losses incurred by the rental car during the trip revolves around the $ 10 per day in the USA, but sometimes do not provide liability insurance coverage, in this case, you can buy it from the car rental company for same day insurance or some day.
If you need temporary insurance for a week or even a month for more than one state in the United States, it's worth looking for better solutions like:
Pay-Per-Mile Insurance like
29$ monthly rate + 6 pence per mile, you aren't charged for the miles you drive above 250/day (150/day in New Jersey).
Include coverage, Bodily Injury, Property damage, Uninsured and under-insured motorist coverage, Collision, Comprehensive, Personal injury protection/ medical payments coverage, Rental reimbursement, Emergency road-side assistance and deductible options $250, $500, and $1000.
You can cancel at any time without any fee.
As offers https://www.esurance.com/
This is a great option to car insurance for a trip within the United States but the big problem it’s not available in all states.
The other alternative solution is the non-owner insurance, which primarily is commercial insurance and serves as liability insurance to pay the damage property, personal injury and medical payments to the party no wrong in an accident on behalf of the company When the employees of the company use their cars to perform tasks for the company in which they work.
As for a getting a Geico temporary auto insurance, can you read on the website for Geico
"If you don't own a car but still need affordable car rental insurance, ask your GEICO representative about a non-owner liability policy. You may already have coverage for your personal effects on your homeowners' policy or renter’s insurance policy."
The problem is that non-owner insurance it is not available in all insurance companies, in all states, and is not sold online.
You'll want to contact a licensed personal auto agent to get this coverage.
Temporary car insurance for a driver has homeowners' policy or renters’ insurance policy.
In this case, don't need to Personal Effects Protection. Rental insurance or homeowners insurance cover that.
Speak with your insurance agent. Ask if your liability insurance to homeowners or renters it is enough for car rental insurance during the trip, if it isn’t enough, ask about what changes you can make to your policy to cover a car rental.
Call your credit card company that used it to pay a car leasing for know primary or secondary coverage that offers it to a rental car. Maybe enough and don’t need to buy Loss Damage Waiver /Collision Damage Waiver.
The way before finally is insurance leasing companies such as rentalcover.com or insuremyrentalcar.com
Finally, you can supplement some coverage from a car rental company.
We will offer a short term car insurance cases for a person driving a borrowed car according to the following:
Short-term auto insurance for a driver has liability, collision and comprehensive insurance driving a borrowed car.
There is no problem in this case because insurance to an owner of the car will pay the cost of any accident within the policy limit of his, and if not sufficient, will be back to insurance to a car borrower to pay the rest of the costs and compensation.
Same day or someday car insurance for a driver who has no any types of car insurance driving a borrowed car.
In this case, the options will be limited; can be added borrower the car to the policy of the car owner with bearing the borrower the additional costs.
But in the event of an accident, the owner's policy will pay the costs and compensation, and the insurance premium for the car owner will rise. However, not all insurance companies accept the addition of anyone other than family members.
Temporary insurance for a car owned for a short period.
In this case, you will need to insure a car more than 1 or 2 days maybe for several weeks. The first option is Pay-Per-Mile Insurance. If not available, the next solution is to buy a standard insurance policy for six months and then cancel it with the sale of the car. But you have to take into account that insurance companies handle cancellations differently. You need to know how to cancel your policy so that you can recover the remaining funds. Calling your agent is probably the fastest way to notify the company to cancel the policy.
Temporary car insurance for sharing a car
For example, Members of Zipcar they benefit by liability coverage up to the minimum financial responsibility limits required in the state/jurisdiction in which the accident occurs for Members under 21, and over
When you become a member of a sharing car company, you should review items of car insurance well, and seek to fill the gaps with the previous means or check the car sharing company to see if it has other ways to do so. In the above example, what if the cost of a car accident far exceeds the insurance minimum for each state offered by Zipcar. You will pay the difference, may be too large.
Temporary car insurance in USA for foreign drivers
Before you come to the United States, you must ensure that you have an international driver license and contact with a car rental company or sharing to arrange the use of one of their cars. As for car insurance for visitors to the United States, you can choose the right situation for you from the aforementioned cases and choose the types of insurance.