Non-owner Auto Insurance Wisconsin WI
Reader’s Question:
I am looking at buying an insurance coverage for my new car here in Wisconsin. But I would also like to have insurance coverage when I need to drive other vehicles during emergencies. Is it possible to have them both under one insurance policy, or do I have to get a separate one?
Jimmy
Madison, WI
Every state in America has its own insurance guidelines and rules, and Wisconsin is not an exception. But for this case, auto insurance coverage usually follows the vehicle, not the driver. For your own protection and peace of mind, you might want to ask from whoever owns the car you will drive in an emergency if his or her vehicle has auto insurance coverage. If the car you borrowed or had to drive because of an emergency indeed has insurance, then that will cover the expenses if an unfortunate incident occurs while you were driving. If this does not exist, though, then you need to inquire from your agent about the availability of non-owner insurance coverage.
For people who don’t own cars, non-owner auto insurance can grant liability coverage. The policy may also include coverage such as personal injury protection, uninsured motorist insurance, and medical payments. Drivers who rent or borrow cars from friends or family will also need this kind of coverage. The best thing to do is to ask and shop around. It would be smart to talk to a car insurance agent who represents various auto insurance providers as this will definitely save you time instead of inquiring from each and every company individually.
Tags: auto insurance, auto insurance coverage, car insurance, non owners insurance