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Driving without proper Manteno auto insurance is both illegal and dangerous. That's why people usually insure their cars immediately after buying them. However in some cases, getting annual insurance might seem unreasonable. For instance, if you have to drive a friend's car for a week or alternatively, if your relatives borrow your car for a few days, it would be ideal to get short term insurance. One option is to add another driver to your existing insurance policy but this could increase your insurance premium in the long run. On the other hand, short term insurance is a separate from of insurance which won't impact your existing car insurance policy in any way whatsoever.

How does short term insurance work?

As the name suggests, short term insurance is meant for situations when you have temporary access to a vehicle. Usually, insurance companies charge a flat rate for such an insurance policy which provides coverage from one day to six months. Like a normal insurance policy, short term insurance includes liability insurance, physical damage and uninsured motorist. Some policies might also offer medical liability and roadside services.  

When do you need short term insurance?

Short term insurance can come in handy in many situations, the most common of which occurs when you rent a car. For instance, if you have to rent a van for shifting your house or if you rent a car in another city, it is a good idea to buy short term insurance. Similarly, if you have to lend you car to a friend or a relative for a few days or if you have kids in college who drive your car during summer breaks, you can apply for short term insurance.

Why do you need short term insurance?

The most obvious question that comes up is- why you I need short term insurance at all since my car is already insured? In reality, things are a little more complicated than that. Let's take a simple example- if you allow your friend to drive your car and he or she gets into an accident, your insurance policy will cover the damages. Things could get really nasty if your friend turns out to be an uninsured driver. In most cases, your insurance policy will take the hit and you will be forced to give up your no claims discount. 

Short term insurance is also helpful if you have to rent a car. In some cases, an individual's car insurance might include rental coverage albeit at a higher deductible rate. However, if your policy does not come with rental coverage and your comprehensive and collision coverage is not satisfactory, you must definitely consider getting short term insurance, without which, you might be forced to pay accident damages(if any) out of your own pocket.

Where can you find short term insurance?

Short term insurance is relatively easy to find. Many people buy this form of insurance online and it is validated almost instantly.  Alternatively, you can also contact a local insurance company to ask for short term insurance quotes. Under normal circumstances, the entire procedure can be completed without any glitches. However, if you have a poor driving or insurance history, you might face some problems. 

In the first go, short term insurance might seem unnecessary but the truth is that accidents don't come announced, and things only get worse when you cause damage to someone else's car or vice versa. Short term insurance is an easy way to prevent excessive financial damage and a massive guilt trip. Call HomeStar Insurance Services today for more information about short term insurance at 815-468-8763.
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