Reasons To Purchase Temporary Car Insurance In Georgia?

Answer 1

Georgia residents may be interested in purchasing short-term insurance for their car or to cover themselves with liability protection. Most typical car insurance quotes are for insurance periods of six months and longer, but in many cases only a few days of insurance are needed. Because liability insurance is required in Georgia, those who borrow a friend's car for a week may need to purchase their own policy. Individuals who own a classic or antique vehicle may not need full protection for the entire year. Insurance agents licensed in Georgia can assist those seeking information about temporary car insurance.

What This Insurance Will Cover

Temporary insurance can be for liability only or include comprehensive insurance as well as collision protection. It can even be modified to include personal injury protection and uninsured motorist coverage.

Those who purchase a car that must be transported from the place of origin to the owner's residence can benefit from a temporary insurance policy. Because someone else is transporting the car a traditional liability policy or collision protection might not be suitable. A temporary policy can be constructed which protects the investment either if driven or transported on a truck or trailer. The insurance can be extended to protect the vehicle while it sits in a garage or other location waiting for the owner to pick it up.

Insurance When Borrowing A Vehicle

In most cases a liability policy written in Georgia covers a car regardless of who is driving it. However the owner of the policy has the right to ask anyone else operating the vehicle to purchase temporary insurance. This means that if anything should happen to the car or to other parties as a result of the borrower's actions, the owner of the vehicle will not have to worry about elevated insurance rates. Some insurance companies also offer short-term blanket policies. This covers a driver no matter what vehicle his or she is driving. A short-term blanket policy is relatively expensive when compared to a temporary policy covering a single vehicle.

Temporary Insurance For Classic Cars

Some individuals own a classic car that is periodically transported to an auto show. A temporary policy that covers damage caused by the owner can be purchased from any licensed agent. Some insurance companies specialize in short-term insurance for antique vehicles. When classic cars are sitting in the garage for most of the year, owners can drop the temporary coverage and take out a simple comprehensive coverage plan instead. This will cover the vehicle in case of natural disaster and in some cases theft.