Since driving without insurance comes with such a stigma these days, people think that you pretty much need insurance in every situation. You definitely need it while driving a car you own out on the road, and you need it for a rental car, too. There are different ways of obtaining the right insurance for the right situation, and there are also certain situations in which a different type of coverage would apply.
In other words, there are situations where you don’t need insurance.
Is Test Driving a Car one of them?
People are always asking that question. For starters, most drivers that have been driving for awhile have kept a consistent insurance policy. Yes, I’m well aware of many stories that can cause lapses and the likes. But what I’m saying is that is the standard. Therefore, the average person is going to test drive a car and have insurance just not on that particular vehicle. Naturally, that person would still be covered but what about an uninsured driver?
Drivers sometimes haven’t been driving for awhile, or they are new drivers. Drivers are of course always encouraged to have insurance when getting behind the wheel. However, the idea is that a dealership, for example, has insurance on the vehicle that covers you legally. However, what type of insurance is it and what happens if there is a claim? Will personal injuries be taken care of and medical bills paid? Plus, what if it’s not a dealership and instead it’s a private owner?
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In other words, you might still want just to play it safe or get to know more of the specifics. It’s not worth risking your future over, but the idea that you can drive a car without insurance is for real. In fact, I believe you can still do so legally in some states when it comes to all the public roads. It’s still a thing.