Automobile insurance refers to a kind of insurance purchased by the owner in order to provide certain economic security when the vehicle has an insurance accident. When buying car insurance, the owner needs to provide his driving license and other relevant documents. However, there are some cases where car owners do not need to hold a driver’s license to purchase auto insurance. This article will not need a driver’s license, how to buy car insurance, precautions and other aspects of in-depth analysis, to help owners better understand car insurance.
Situations where a driver’s license is not required
The owner is not the driver
If the owner is not the driver of the vehicle, then he can purchase car insurance without having to hold a driver’s license. In this case, the owner may be the owner of the vehicle, but not driving the vehicle, or a passenger in the vehicle, etc.
The owner is disabled
If the owner is disabled, but he can drive the vehicle by other means, then he can buy auto insurance without having to hold a driver’s license. In this case, the owner may drive the vehicle through special vehicle modifications, auxiliary equipment, etc.
The owner is the owner of the vehicle
If the owner is only the owner of the vehicle, but he will not drive the vehicle, then he can purchase auto insurance without having to hold a driver’s license. In this case, the owner may be the investor of the vehicle, or the rental company of the vehicle.
How to buy car insurance
Choose an insurance company
When buying car insurance, car owners should choose a reputable and good service insurance company. Such an insurance company should have a good reputation, be able to provide quality service, as well as fast and efficient claims settlement services.
Select additional coverage
When buying auto insurance, car owners can choose to buy additional insurance, such as excluding deductible insurance, vehicle damage insurance, third party liability insurance, etc., to improve their insurance protection. These additional insurance types can be selected according to the needs of the owner to achieve the best insurance protection effect.
Understand the insurance terms
When buying auto insurance, car owners need to carefully read the insurance terms, and understand the scope of insurance liability and deductibles and other factors, in order to be able to get the corresponding compensation in the event of an insurance accident. These clauses should include the scope of insurance liability, the amount of compensation, the deductible and so on.
Choose the insurance period
When buying car insurance, car owners can choose the insurance period according to their own needs. Generally speaking, the insurance period of car insurance is one year, and the owner can choose according to his own needs.
See Also: What Is Covered By Liability Car Insurance?
Matters needing attention
Provide truthful information when purchasing insurance
Car owners should provide true information when buying car insurance, otherwise it may cause the insurance company to refuse compensation. This information should include the personal information of the owner, the information of the vehicle, the information of the driver, etc.
Update insurance information regularly
After purchasing automobile insurance, the owner needs to update the insurance information regularly to ensure the effectiveness of the insurance. This information includes the personal information of the owner, the information of the vehicle, the information of the driver, etc.
Obey traffic rules
When driving a vehicle, the owner should abide by the traffic rules and regulate the driving behavior to avoid traffic accidents. These rules include obeying traffic signals, not speeding, and not drinking and driving.
Report the crime promptly
After an insurance accident, the owner should report the case in time and settle the claim according to the requirements of the insurance company. This can ensure that the owner can get timely compensation after the insurance accident.
Conclusion
Car insurance does not require a license in cases where the owner is not a driver, the owner is disabled, and the owner is only the owner of the vehicle. When buying car insurance, car owners should choose a reputable, good service insurance company, and choose the right insurance for their own additional insurance. At the same time, the owner needs to provide real information and regularly update the insurance information to ensure the effectiveness of the insurance. When driving a vehicle, the owner should abide by the traffic rules and regulate the driving behavior to avoid traffic accidents. If an insurance accident occurs, the owner should report it in time and settle the claim according to the requirements of the insurance company.
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