Before you let someone else drive your vehicle, make sure you understand how your insurance works. In general, a driver does not need to have his or her own insurance policy to drive your vehicle and be covered under your insurance policy.
The Basics Of Auto Insurance
Auto insurance was originally created to follow the vehicle, not the driver. That is why you are required to provide the insurance company with the make, model, year and vehicle identification number (VIN) of your vehicle. That is also why you must notify your insurance if you sell your vehicle and purchase a new vehicle.
Family Members Whom You Live With
If you have family members who live in the same household with you, and whom you allow to drive your vehicle on a regular basis, you should add them to your insurance policy. Depending on numerous factors, your insurance rate may change based on that driver’s information.
If you have family members who live in the same household as you, and whom you allow to drive your vehicle on an occasional basis, you do not have to necessarily add them to your policy. Since you gave them permission to drive your vehicle, and they do not drive it on a regular basis, your policy should cover them.
Family And Friends Who You Do Not Live With
You may give permission to a family member or friend who is not part of your household to drive your vehicle. Your insurance company will cover them if they only drive your vehicle on an occasional basis.
However, if they drive your vehicle on a regular basis, you need to add them to your policy.
Accidents
If someone whom you gave permission to drive your vehicle gets into an accident, your insurance will be responsible for covering all damages. That includes damages to other vehicles as well as property damage. Your insurance will cover the damage to the extent of its limits.
According to the law in most states, the owner of the vehicle is responsible for any damage that the vehicle is responsible for creating. If whomever was driving your vehicle was at fault, that means the other drivers can actually pursue a personal injury claim against you in court for any damages or injuries they experience that exceed the limits of your insurance coverage.
You may allow other drivers, with your permission, to drive your vehicle on an occasional basis. They will still be covered under your insurance policy while in your vehicle.
However, if you let anyone drive your vehicle on a regular basis, you need to take the time to add him or her to your insurance policy. If your insurance finds out that they drive your vehicle on a regular basis and you didn’t add them to your policy, they may refuse to pay on any claims based on the damage they were responsible for creating.
The Basics Of Auto Insurance
Auto insurance was originally created to follow the vehicle, not the driver. That is why you are required to provide the insurance company with the make, model, year and vehicle identification number (VIN) of your vehicle. That is also why you must notify your insurance if you sell your vehicle and purchase a new vehicle.
Family Members Whom You Live With
If you have family members who live in the same household with you, and whom you allow to drive your vehicle on a regular basis, you should add them to your insurance policy. Depending on numerous factors, your insurance rate may change based on that driver’s information.
If you have family members who live in the same household as you, and whom you allow to drive your vehicle on an occasional basis, you do not have to necessarily add them to your policy. Since you gave them permission to drive your vehicle, and they do not drive it on a regular basis, your policy should cover them.
Family And Friends Who You Do Not Live With
You may give permission to a family member or friend who is not part of your household to drive your vehicle. Your insurance company will cover them if they only drive your vehicle on an occasional basis.
However, if they drive your vehicle on a regular basis, you need to add them to your policy.
Accidents
If someone whom you gave permission to drive your vehicle gets into an accident, your insurance will be responsible for covering all damages. That includes damages to other vehicles as well as property damage. Your insurance will cover the damage to the extent of its limits.
According to the law in most states, the owner of the vehicle is responsible for any damage that the vehicle is responsible for creating. If whomever was driving your vehicle was at fault, that means the other drivers can actually pursue a personal injury claim against you in court for any damages or injuries they experience that exceed the limits of your insurance coverage.
You may allow other drivers, with your permission, to drive your vehicle on an occasional basis. They will still be covered under your insurance policy while in your vehicle.
However, if you let anyone drive your vehicle on a regular basis, you need to take the time to add him or her to your insurance policy. If your insurance finds out that they drive your vehicle on a regular basis and you didn’t add them to your policy, they may refuse to pay on any claims based on the damage they were responsible for creating.
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