What are included in a short term car insurance coverage? Are they similar to an annual car insurance cover? How else will the two differ?

Diether

Phoenix AZ

Aside from the obvious difference that short term car insurance has a duration from a few days to a few weeks and the regular car insurance is typically one year, the two types of car insurances differ in some ways too. Unlike the regular car insurance, a short term car insurance may not be available in many U.S. States and is not common in many locations.

The reason why people purchase temporary car insurance is to have a short term car insurance cover in effect while they are renting a car to drive to various locations for a vacation or borrowing a friends’ vehicle for a short duration of time. Furthermore, people buy a short term car insurance in anticipation of the hurricane season to protect the car in storage.

A short term car insurance cover is basically the same as those cover that a regular car insurance policy offers. Just like the regular car insurance policy, a short term car insurance policy will also basically have liabilities coverage to pay up for any bodily injuries and property damages you caused to other people and their cars in case of a road accident with the car you’ve borrowed or rented.

Also, just like a regular car insurance policy, you can also opt to include coverage for collision damages in your short term car insurance to pay up for the repairs done to the borrowed or rented car during a collision incident.

Additionally, for your own good but although not offered in many states, you can also add a short term car insurance cover in your policy that will pay or reimburse for the medical bills you and your passengers incurred during a road accident.

Probably the difference between a short term insurance policy and a regular policy lies only on the duration of the policy and not on the amount of coverage that each policy can provide.

Ask you car insurance agent if they offer short term car insurance since a period of six is usually the shortest period you can get car insurance.