| Thanks to the rising cost of gas, increases in | | | | It depends on how much coverage they have. If |
| insurance rates, and increasing car costs, many | | | | you cause an accident in another person's car and |
| people are giving up their cars and using public | | | | you exceed the amount of liability coverage they |
| transportation. But what if you want to rent or | | | | carry, you'll be liable for the difference in damages. |
| borrow a car to go on a long trip or a vacation? | | | | If they end up in the hospital and sue you, you |
| Here's how to get cheap non-owner auto liability | | | | could end up owing hundreds of thousands of |
| insurance for just those occasions. | | | | dollars. |
| What is non-owner auto liability insurance? | | | | Doesn't the insurance on my credit card cover |
| It's auto insurance for people who don't own their | | | | me? |
| own car, but occasionally rent or borrow one. | | | | It depends on the credit card. Some only provide |
| Coverage includes: | | | | coverage for certain types of cars, some limit the |
| * Bodily injury liability coverage which pays for | | | | time of coverage, and some only provide collision |
| any claims made against you, plus your legal fees, | | | | and comprehensive coverage. |
| if you injure or kill someone. | | | | How about rental car agency coverage? |
| * Property damage liability coverage which pays | | | | The coverage you get from rental agencies may |
| for claims made against you, plus your legal fees, | | | | or may not provide liability coverage, or only |
| when you damage another person's car or | | | | provide a limited amount of coverage. Also, if you |
| property. | | | | rent cars for more than 10 days a year, |
| If I borrow a car doesn't the owner's insurance | | | | purchasing non-owner auto liability insurance is |
| cover me? | | | | usually cheaper. |