Auto Insurance When You Don’t Own a Car

If I don’t own a car, why would I need auto insurance?It might seem like a waste of money for a person who does not own a car to purchase auto insurance. There are two situations that can occur here; the person will never drive a car or the person will occasionally borrow a car from a friend or rent a car on vacation. A person who will never drive a car — due to age restrictions, illness, disability, etc. — will probably not need to purchase auto insurance that will cover their own liability. However, they should make sure the driver of the vehicle in which they are a passenger has auto insurance for their passengers. This way, if that person is in an accident as a passenger, their medical expenses will be covered or mostly covered.
A person who doesn’t operate a vehicle but regularly rides as a passenger may want to consider purchasing auto insurance that will cover medical costs that come from an accident. Medical payment coverage and personal injury protection may be beneficial to passengers, whether in lieu of or in addition to their regular health insurance.