Everyone has a different life and circumstances. While most auto insurance is specifically tailored to individuals and their automobiles, there are other policies designed for non-owners. If you drive regularly but don’t own a vehicle in Muskogee, OK, D & E Insurance Agency can help you find a policy that works for you. 

How Does Non-Owner Auto Insurance Work?

Not every insurance company even offers non-owner policies. Normally, insurance follows the car instead of the driver. That way, people can allow their friends and family members to borrow their vehicles. 

With a non-owner policy, the insurance follows the driver. A non-owner policy provides liability protection to the driver in whatever car the driver is currently operating. Without additional protection, there is not usually coverage for other damages, such as the driver’s own injuries. 

Reasons You May Need a Non-Owner Policy

Here are the main reasons people get non-owner auto insurance:

• You may need to carry a non-owner policy temporarily if you are between vehicles and you want to avoid a lapse in coverage.
• Sometimes the court orders individuals to carry insurance after certain kinds of convictions. If those individuals do not currently own a vehicle, they can meet their legal requirements by getting a non-owner insurance policy.
• Many people find it more practical to rent cars on a regular basis instead of maintaining and storing their own vehicles. If you do this, make sure your non-owner policy covers rentals.
• If you don’t own a car but borrow other cars regularly, you can get a non-owner policy that will kick as secondary coverage.

We Are Here To Help

If you would like to discuss non-owner auto insurance, or if you have questions about auto insurance in general, please feel free to call D & E Insurance Agency in Muskogee, OK today.

If you own a car, you will likely need to take out an auto insurance plan. These plans can reduce risks by providing payouts in a variety of circumstances. As such, car owners should closely consider their insurance options and should reach out to an insurance agent if they have any questions. Get in touch with D & E Insurance Agency in Muskogee, OK to learn more.

The Road Can Be a Dangerous Place

Each year, millions of car accidents occur in the United States. Often, the property is damaged, and accidents can also produce expensive medical bills. Auto insurance may cover some of the costs that result from an accident. Of course, it’s crucial for policyholders to read the fine print, as some things may not be covered.

When an uninsured motorist gets in an accident, he or she may be on the hook for property damages, medical bills, and other costs. If an uninsured driver is found to be at fault, they may have to pay for someone’s medical bills and property damage as well. These costs can quickly add up and may also lead to complex legal battles, including civil suits. If you’re insured, your insurance company may handle these hassles.

Driving without insurance is also against the law in many jurisdictions. You may even have to show proof of insurance when applying for a license plate. Failing to get insurance could lead to criminal charges and other legal issues.

Auto Insurance May Cover Other Damages

Many cars end up destroyed during severe weather events, such as tornadoes or hurricanes. If a car isn’t insured, the motorist may have to cover the damage themselves. In many cases, the motorist may simply not have enough money to repair or replace the vehicle. As a result, folks could end up stranded. Owners may also have to cover damage caused by break-ins and other events.

Reach Out To Us

While coverage may vary from plan to plan, the right auto insurance policy might cover damage incurred in any of the above scenarios. Visit D & E Insurance Agency in Muskogee, OK to learn more.

Driving changes a lot during different seasons of life. New drivers face very different challenges than adult drivers. Aging drivers also have their own special set of challenges. At D & E Insurance Agency serving the greater Muskogee, OK region, we are here to help you better understand some of these challenges so that you can stay safe drivers for years to come.

Here are some safety tips for aging drivers:

Take A Safety Course

Odds are you learned how to drive many years ago. It is a good idea to take a safety course or a defensive driving course to refresh yourself on some of the safety rules you should be following. Taking a driver’s safety course can also sometimes earn you discounts on your car insurance. 

Keep Up With Eye Appointments 

It is not an unusual thing for our eyesight to suffer as we age. Poor eyesight will greatly increase your risk of accidents when driving. To keep yourself and others safe, you will need to stay up to date on your eye appointments. You also need to make sure you use the proper eyeglasses or contacts prescription for any vision problems you may have. Although these things can sometimes feel annoying, they are crucial to your safety and the safety of other drivers. 

Pay Attention To Medications 

As we age, sometimes it is necessary to start taking medication. If you are taking medication, be sure that you do not drive after taking anything that might impair your driving in any way. You need to be alert when driving so that your reflexes will be at their best. 

Give Us A Call

If you would like to learn more or are in need of auto insurance, please contact us at D & E Insurance Agency serving Muskogee, OK and the surrounding areas.