Temporary Car Insurance Guide
Temporary Car Insurance Guide
Temporary car insurance is not quite the same as regular types of auto insurance coverage but they do have many of the same features. One attribute that both types of insurance have in common is the fact that they are important for any driver to know about and understand.Temporary Car Insurance Guide

While you may not use temporary car insurance as often, or for the same purposes that regular auto insurance covers but this temporary vehicle coverage is still extremely important and it is worth knowing about.Temporary Car Insurance Guide
Perhaps you are going to spend some traveling in some different countries for educational purposes, or just for fun. Many people do not realize that their normal automobile coverage may not cover their driving activities when they have gone abroad.
If you are going to be renting a car during your foreign country exploits it is required that you be covered by some type of policy and this is when you might first begin to realize how convenient and important short term auto insurance actually is.
Rental car companies offer you the option of signing up for temporary coverage whenever you are a customer. Even if you think your own insurance will extend the additional coverage that is necessary, do you really want to take that risk.
It is a good idea to go ahead and pay the small fee required to put a short term plan into action and then you will know that you are fully covered if any type of driving accident should occur.
Of course you are not expecting an accident to happen, but then this is just when accidents tend to occur-when they are not expected. Signing up for a temporary car insurance policy does not mean that you are a bad driver, but you are not the only one out on those roads and in a number of countries the rules of driving may be the opposite of what you have been used to in the past.
When you are traveling to some of the islands it might be tempting to get out on those roads and explore the countryside at your leisure.
Motor vehicle accidents in some countries are just an expected part of the driving experience, but unless you are fully protected by a temporary car insurance policy then a very minor fender bender could become a nightmare, especially if the authorities can not quickly ascertain that you have active coverage.
Sometimes a temporary car insurance plan is what you need to bridge the gap. For instance, let’s say that you are purchasing a brand new car directly out of the showroom.
The dealership may have let you take this new model vehicle out for a test drive, but they will certainly not let you take it home, unless you have definite proof of insurance.
With short term auto coverage you can drive your new car home immediately because this type of policy will cover you until you get permanent car insurance.
If you already have an auto insurance policy you can usually get coverage through your agent, but if this is not possible then a temporary policy will certainly help you when you need it.
With most temporary car insurance plans you can arrange coverage that is individualized to your situation.
There are plans that can cover you for a week, a month or even for a period of up to 6 months. The temporary coverage offered at rental car locations are even more personalized and the contract is timed to expire when you return the vehicle to the rental location.
Many people like the idea of using these self limiting car insurance plans especially if they are working at a contract job that will only last for a short period of time and they only need the coverage while they are driving to and from the work site.
Others choose the temporary route as a “stop-gap” while they decide on a permanent residence or need some time to choose a permanent car insurance policy.
You may even find that you can use the benefits and peace of mind temporary car insurance affords if you are in an area where flooding, tornadoes or other natural disasters are known to occur.
Sometimes a regular policy will not fully cover any damage that results from hail, hurricanes or floods, but there are certain short term insurance plans that insurance companies handle.
One of their agents can write just the policy you need to afford you the right kind of vehicle protection.
If you are going to leave your vehicle parked for a long period of time you may even want to consider getting some type of temporary insurance that will prevent you from suffering a full financial loss in the event that something happens to your car during this time.
This type of coverage is especially useful if your storage area is not in a covered building that can provide protection from theft and the weather.
This extra insurance coverage can even be used if you are going to be on the road and there will be more than one driver. This is a common scenario, especially during the summer months, holidays and on weekends.
With a temporary car insurance plan everyone who is going to be driving is going to be covered which is a lot less problematic should any type of accident occur. There is no need to worry about whose insurance company will need to be contacted because all drivers will be covered by just one policy.
You can even use these short term insurance plans to cover those unexpected times such as when you want to borrow someone’s car or when they want to borrow yours. With temporary car insurance whoever happens to be behind the wheel will be fully covered.
Hopefully no driving accidents will occur in your future, but since we don’t know what the future holds, it makes sense to be prepared for any and all occasions.