Tuesday, June 30, 2015

Car Insurance for non-US Citizens

Automobile Insurance for Non US Citizens

How to get the appropriate car insurance for non-US residents? To get it depends on you, how long you will be in the US. Also need to know before you set the scope, then the earlier you need an international driving permits.

Driving Without Insurance
Driving without Car Insurance is a criminal offense. If you do not have car insurance then you will get large fine, and you will be charged with the loss of the right to drive. If a driver does not have car insurance then involved a car accident, then he is personally responsible for damages caused by him.

International Driver's Permit
International Driving Permits allow people to hold a driver's license is still valid and can operate the vehicle while traveling abroad. Valid IDP is holder is not required to pass the test or to apply for a license in the country of their destination. Because after the document out then it is valid for 12 months

There IDP is available in nine languages. This document applies in around 150 countries worldwide. It can also be used as a form of identification. IDP should be issued in the country of origin. Local Automobile Association offices may be able to provide one. Someone planning to travel to the United States also can check with travel agent to find out more about get an IDP before starting his journey.

Obtain Automobile Insurance for Non-US Citizens
Non-US citizens visiting the country for a relatively short vacation can get insurance coverage through a car rental company. These agencies also offer insurance coverage to residents of the US when they rent a car. While a US citizen who already has car insurance coverage in place has the option of declining additional protection offered by the rental company, a visitor must have car insurance in place to drive legally.

When the visit will be a longer one, such as due work or school, renting a vehicle may be too expensive. In that case, the visitor may wish to buy a car for the time he or she will be in the country. The vehicle can be sold when the traveler returns home. Before trying to obtain car insurance in the United States, a traveler should check with his or her current insurer to find out whether they are covered while driving in a foreign country. Residents of Canada or Mexico may be covered under their current policy while traveling to the United States and do not need to make any special arrangements.

Visitors from other countries may need to buy a short-term car insurance policy from a US company. Many insurers will offer coverage for a term that is less than one year, provided that the applicant can provide a billing address in the United States.

A person who will be staying in the United States for more than one month may want to consider buying a traditional car insurance policy, since they may be able to get coverage for a lower rate. Before doing so, it's a good idea to confirm with the company that a refund will be provided when the customer cancels the policy around the time he or she returns home.

Getting car insurance coverage when an individual is not a US citizen is a slightly different process from the process used when citizens need to arrange coverage. The key to doing so effectively is to make a plan to obtain an IDP and getting this valuable protection before leaving the home country.

Source: http://insurance.lovetoknow.com