Author Topic: Non Owners Car Insurance  (Read 1231 times)

Offline MarsTorah

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Non Owners Car Insurance
« on: January 01, 2024, 09:08:39 PM »
Hi,

Has anyone ever gotten a non owners car insurance polic?

(I plan on renting a car for 2 weeks, so am looking into it so I will be covered for liability without paying $15 a say + tax)

[I live in NY, and don't own a car.]

thank you!

Offline yfr bachur

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Re: Non Owners Car Insurance
« Reply #1 on: January 02, 2024, 09:05:18 AM »
Quicksilver CC from Cap1 doesn't work for you? Its a FREE CC that includes rental car insurance...

Or do you mean 3rd party liability? I'm not sure its legal for a rental co to rent you a car w/o that...

Offline MarsTorah

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Re: Non Owners Car Insurance
« Reply #2 on: January 02, 2024, 08:40:02 PM »
yes, sorr. I meant to cover liability.

You don't need to have insurance to rent a car, because the rental company has their own insurance.
A non owners policy though would give you more coverage and should be less of a hassle than if you wouldn't have it

Offline lcm

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Re: Non Owners Car Insurance
« Reply #3 on: March 15, 2024, 10:09:17 AM »
Anyone has clarity on the following point?
Although in NY and other states the rental company needs to have liability insurance,
are they able to turn around and charge you for the amount that needed to be paid out?

Offline BKYW

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Re: Non Owners Car Insurance
« Reply #4 on: March 21, 2024, 11:59:53 PM »
I donít think so. In order to rent you a car they need to have minimum liability. The upsells are for higher limits. For damage to the rental car (like full coverage on your own car). For items in the car etc. but just like your own car must have minimum coverage the rental car must come with minimum coverage.
I used to have non owned insurance. I think I paid like $500 a year in Brooklyn for full coverage.

Offline lcm

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Re: Non Owners Car Insurance
« Reply #5 on: March 22, 2024, 12:05:41 AM »
I donít think so. In order to rent you a car they need to have minimum liability. The upsells are for higher limits. For damage to the rental car (like full coverage on your own car). For items in the car etc. but just like your own car must have minimum coverage the rental car must come with minimum coverage.
I used to have non owned insurance. I think I paid like $500 a year in Brooklyn for full coverage.
Thanks.
How bad is minimal coverage?

Online baron

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Re: Non Owners Car Insurance
« Reply #6 on: March 22, 2024, 12:07:31 AM »
They are definitely able to bill you for it IINM question is if they do. Slightly different is when a smaller place not looking to bill their insurance definitely can/will understandably bill you instead.

Online baron

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Re: Non Owners Car Insurance
« Reply #7 on: March 22, 2024, 12:09:07 AM »
Thanks.
How bad is minimal coverage?
State dependent it can be quite low. (Pretty sure depends on car reg state)

Offline lcm

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Re: Non Owners Car Insurance
« Reply #8 on: March 22, 2024, 12:51:09 AM »
State dependent it can be quite low. (Pretty sure depends on car reg state)
NY is 25/50/10 I think.
What are relatively decent numbers?

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Re: Non Owners Car Insurance
« Reply #9 on: March 22, 2024, 10:25:38 AM »

Offline renter

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Re: Non Owners Car Insurance
« Reply #10 on: March 28, 2024, 03:06:49 AM »
Thanks.
How bad is minimal coverage?
someone rear ended my car he was driving a rental car and only had state minimum liability which was 5k (think florida plates) he was lucky my body shop agreed to fix it for that price