Miami FL non owner insurance
Q: Can you explain Miami FL non owner insurance to me?
A: Miami FL non owner insurance is pretty simple to understand, but I will make a chart for you.
I have a car ——> buy a regular insurance policy
I do not have a car —–> buy Miami FL non owner insurance
Okay, it’s not that simple, but not much more difficult. Basically, non owner insurance is perfect for people who drive but don’t have cars of their own. If you drive your friend’s, employer’s, or rental company’s cars a lot, then it’s nice to be able to just glide buy and let them pay for the insurance, but it’s also difficult to rely on them for everything. If you get into an accident and their car insurance doesn’t cover everything, guess who gets to pay the rest? That’s right, my friend–YOU. If you have non owner insurance, you’re safe from that.
I’m not going to say there aren’t drawbacks. You can only get liability insurance with Miami FL non owner insurance, and it’s pretty pricey to boot. But it’s better than the alternative, which for friends/employers’ cars means possibly leaving yourself open to financial ruin, and for rental cars means paying more on insurance waivers over time.
I have a eighteen year old daughter who is a high school student. She does not have a criminal record, she has a good driving record, she does not have a credit history at this time. She has just obtained employment in the last part time employment in the last 3 weeks which will turn full time during the summer months. She does not have a car at this time. I plan to purchase a car for her the end of summer 2008. Until such time, I want her to have limited access to my car, access to a rental car as well. My car has full coverage at this time. I want her to have her own policy as she did not maintain a 3.0 in school and has not attended the drivers education course in ordeer to lower her premium. As such, as her mother, I am making her responsible for the premium. How can I get her on a non owners policy so that she will be insured to drive another car until I have time to purchase a car for her.
My daugher is eighteen years old. She is a high school student. She has been driving since she was 16 years old. Recently I removed her from my insurance as she went to live with a relative for a short period. She is now back home. She does not have her own car at this time, I will purchase a car for her end of summer 2008. She does not have a criminal record or credit history. She has a good driving record. I want her to carry her own policy.Reasons: a) she did not maintain the 3.0 grade average in school and b) she did not attend the drivers education course. As a result, I want her to be responsible for her insurance. However, I want her to be fully insured to drive a car to include rental car if need be. Is there a insurance company in Miami Florida that will insure her as a non owner.