One day car insurance is a type of auto insurance that many people are looking for these days. So what exactly is “one day car insurance” and will you actually ever need to get this type of coverage? Well, first of all, “one day car insurance” is just insurance coverage for your vehicle that lasts 24 hours or less. Not all major companies offer this type of policy, and in fact, it is much more common to purchase this type of coverage when traveling or renting a car temporarily. In most cases, people get coverage that lasts longer than just one day. Single day coverage falls into the “temporary car insurance” type of policy. Temporary policies are, as the name implies, policies that last temporarily and are short term.
The truth is that you may never ever need to get a temporary auto insurance policy, let alone a one day policy that covers you for only 24 hours. However, there are plenty of people that have had to get this type of policy and many cases when this type of policy can come in handy or save the day. What would you do in a situation in which you were traveling throughout a foreign country and using a vehicle there that was not already insured? Would you risk going without insurance? Most people in this situation would [hopefully] realize that the smart thing to do would be to contact and insurer and buy a temporary policy of car insurance for a day.
Reasons People Get One Day Car Insurance Coverage
If you already have auto insurance coverage, you may be wondering why on Earth anybody would want to get car insurance for one day? If you don’t know the details of this type of temporary car insurance that can be gotten for a single day, you can read about them in this article. There are many good reasons that would warrant the purchase of auto insurance for a single day or a few days. Off the top of my head, I can think of a time when I have had to get this type of coverage because I was renting a car in a different state and had to make sure that it would be protected if anything went wrong. In this case, I had to get myself some one day coverage, but I didn’t really even think about it at the time. I’m sure many other people have purchased rental car insurance and have gotten some insurance for it that lasted temporarily.
Since some people only rent their vehicle for 24 hours and only need to have it insured for that time period, it could be said that they are getting 1 day car insurance. Now, you may have gone through a rental company and may not have had to get insurance because the rental company took care of all insurance concerns. In some cases, you may be required to get insurance, while in others you may not have to worry about it; whether you need it depends on the insurance and company that you are renting through. When you are renting a car, it is important to make sure that you are covered by insurance so that you do not end up paying out of your own pocket for any damages that you cause to a third party or damages that are caused to the vehicle that you are renting if you get into an accident.
I don’t know about you, but renting a car for just one day and then getting into an accident without having insurance would be a nightmare; especially if the accident was severe and it was your fault. Although most people don’t plan on getting into an accident with a rental car, the truth is that it could happen. Most people don’t “plan” on getting into an accident with any car in any location, but they happen; that is why they are called “accidents.” It is always better to be safe than sorry when renting a vehicle, you don’t want to be caught up in a car insurance claim without an insurer to back you up. There are other cases when you may want to get insurance for just a day though, not just in cases of rentals – so don’t think that this is the only time you may need it.
Traveling out of country
If you are traveling out of country, chances are good that unless you live in Europe and your insurer covers you throughout the European Union – that you are going to need some type of insurance while you are traveling there. Most insurance minimums require that you have at least third party car insurance liability coverage so that if you are at fault for an accident, the other person gets proper compensation for their losses. Traveling in foreign countries may be a crazy situation as you adjust to new traffic laws and having right side steering to adapt to (if you are from the U.S. and are driving in a European vehicle).
If you know that you are going to be driving a vehicle out of your native country or in a place where you know that your insurance will not cover you for, you will want to probably get one day car insurance or at least a temporary policy if you are going to be doing driving for multiple days. The prices of policies offered in other countries and locations are all going to vary. It would be a good idea to have some insurers researched so that you can buy a temporary policy through one for your travels.
Using another person’s car
Whenever you are using someone else’s vehicle, the insurance situation may get complicated. The person that allows you to drive may have insurance protecting their vehicle, but the insurance coverage may be voided if they give permission to another person to drive it. If your car breaks down and you are not able to get a replacement from the body shop that is repairing it, you may need to borrow a vehicle from a family member, friend, or neighbor. Whenever you are using someone else’s car, even if it is just for a day, you may want to consider buying a one day car insurance cover so that you are protected if anything goes wrong.
A lot of times you can get coverage to protect yourself temporarily so that if you were to get into an accident during the time that you are borrowing, you will still be able to protect yourself. Although the chances of getting into an accident will be relatively low when you are only going to be driving it for a day, it still could theoretically happen. The nice thing is that when you get a plan that covers you for just one day, you can get a pretty low rate since you are only paying for a short period of time.
People who don’t usually drive
Some people don’t drive a lot, so they don’t buy insurance unless they absolutely need it. When these individuals buy insurance, they generally only get it for the time period that they drive. If they know that they are going to be visiting a friend and will be back home in a day, they may go out and buy one day car insurance coverage. An example of people that this may be perfect for are New Yorkers that typically travel by using the vast subway system that can take them pretty much anywhere throughout the city relatively quickly. There will be times, though, when these people may not be able to use the subway (e.g. visiting a friend that is too far away) and they may not want to take a cab. Certain people in this situation may just want to feel the freedom of driving themselves from point A to point B with a car.
In this case, getting one day auto insurance would be something that is needed so that they can insure the vehicle that they will be taking for their trip to visit their friend. Sometimes people may not even be visiting someone and may just want to go for a drive in a vehicle that they don’t yet have insured. In this case, it would be a good idea to at least get some temporary insurance so that if something goes wrong, they will be protected. Although most people drive regularly, there are some people that don’t get the experience of driving like everyone else and want to re-experience the feeling of taking the wheel – in this case, it would be smart to take advantage of 1 day car insurance deals.
Driving a new car that is uninsured
People that get a brand new car will likely not have it insured immediately; there are things that need to be done before getting insurance. Getting “instant” insurance immediately after driving off the lot is not a reality for most people. So, getting some temporary coverage, even if it is for just one day is better than having none at all. What would happen if you just drove a new car off the lot and it was vandalized the next day or you got into a minor accident and needed parts replaced? For this reason, it would be smart to make sure that you at least will be riding around in a new car that is insured as soon as possible after you buy it.
Now, I realize that the chances of having something go wrong instantly after buying a new vehicle are relatively low – so if you do not get coverage right away to protect yourself, you may save money if nothing goes wrong. But, you should know that most states have laws saying that you must at least have a minimum amount of coverage; in most cases it is third party liability, but additional minimums may vary among states. Do research, find out how much coverage you should get, and then get a one day or a multiple day car insurance policy if you are going to need coverage right away for your new vehicle; especially if you plan on taking it for long distance traveling right when you buy it.
Why Get One Day Car Insurance Instead of Taking the Risk of Not Having Coverage?
Accidents can and do happen
One reason that you may want to consider getting good coverage is because accidents can and do happen to people when they least expect it. No matter if you are borrowing your friends car for a day, renting a car on travels, or driving in an area where your existing insurance does not cover you – it would be a good idea to make sure that you at least have some type of coverage. Having the minimal amount of required auto insurance is better than having none at all. You should never take the risk and assume that an accident could never happen to you; pick up the single day car insurance coverage and make sure that you do not take any risks.
Permanent financial damages
If you get into one accident and are “at fault,” you could get into a lot of legal trouble – in many places it is illegal to travel without insurance. Additionally, if the accident causes a lot of damages to your own vehicle or the vehicle of the other party, you will likely need to pay for the repairs. Anytime someone is “at fault” and does not have insurance, they may be taken to court and sued for a lot of money. Unfortunately, many people without insurance that are “at fault” could end up saving a lot over time if they would have simply paid for some insurance. You don’t need to get the most comprehensive car insurance policy, but you should at least get some type of coverage to protect yourself if something goes wrong when you are driving.
If you are injured or hurt in an accident
Anytime you are injured or are hurt from an accident, you are going to need to have insurance. If you are not at fault, but the other driver does not have enough insurance (e.g. they are considered an “underinsured motorist”) or they don’t have any insurance (e.g. are an “uninsured motorist”), you are pretty much on your own for paying for your medical bills and damages until a lawsuit is filed against the person that caused it. But, if the person doesn’t have much money in their bank, they may not even be able to reimburse you if they are sued for damages and compensation. It is always good to make sure that you are insured in case you need to be taken to a hospital. Also, in the event where you are “at fault” for an accident, you need insurance to compensate the other party.
Your vehicle could get damaged
There are many things that could cause your vehicle to get damaged. Collisions are not the only cause for damage to your car. A rock could kick up from the tire off of a semi and hit your windshield causing a huge crack. Additionally, you could leave your car outside and come to see that someone pulled a dirty hit-and-run on your car. There are plenty of things that could cause your windows to break, dents to occur, or paint to scratch/chip. When you have good insurance, even if it is one day auto insurance coverage, you will likely be protected for something that goes wrong.
Getting One Day Car Insurance Quotes and Coverage
The process of getting one day car insurance quotes is not really the same as gathering other types of quotes unless you are with a company that specializes in providing temporary coverage. You should know that there are companies that do not provide insurance for just 1 day because this is too short of a time period. However, there are other companies that will give you coverage for just 24 or 48 hours (multiple days); or monthly car insurance if you want a 30 day policy. Although you may be able to find temporary auto insurance companies online, in most cases, you will need to make some phone calls to find out whether companies will provide you with this type of coverage.
If you already have a full time car insurance policy, you could check with your company for 1 day coverage on a new vehicle. Many people think that they need to always go to a different company for this type of coverage and that is not always the case. At least make sure that you check with your existing insurer to see whether they could give you a temporary policy. Obviously if you are from the U.S. and are traveling throughout Europe on vacation, you will need to go with a European insurer; there are always exceptions.
The bottom line is that like any type of car insurance coverage, getting yourself a one day cover does not need to be complicated. Most people get coverage for more than one day and some places will require you to buy a minimum number of days worth of coverage. Work with what you are offered by insurance companies and compare prices before you choose an insurer. Just don’t get yourself too caught up in the prices because it’s always better to be insured than sorry in the event of an accident. Plus, getting insurance for such a short term is going to result in a pretty reasonable final billing statement; temporary coverage is usually considered inexpensive car insurance. Best of luck if you are looking for a single day policy – I hope you are able to get what you were looking for and stay safe out on the roads!