Most car insurance policies will cover drivers you've included in the policy or anyone you give permission to drive your car, says Nolo, com. This means that your insurance will likely cover another driver in the event of an accident, as long as they have your license to drive your vehicle. Yes, car insurance covers anyone listed on your policy or who drives your car with your permit. If someone else is in an accident while driving your car, your car insurance will pay for the damages.
In most states, the insurance company will pay to cover repairs to your vehicle, regardless of who is driving, 1 But when insurers look at the person behind your wheel and the other car involved in the collision, things become less black and white. It may depend on the terms of your coverage, your policy and the state in which you live. Usually, even if the person driving your car has their own insurance, your insurance will be the main payer for the damage caused by your vehicle; but, the person driving your car must be found legally guilty before your insurance pays. Driver's insurance is secondary and may cover some personal injuries or medical expenses.
It can also provide coverage greater than your insurance coverage, if the cost of damage caused by your vehicle exceeds the limits of your policy. Any damage to your car will be covered by your collision and comprehensive insurance. This optional coverage doesn't care that you weren't driving at the time of the accident. However, the claim will be filed in your policy, not in your friend's insurance.
After most car accidents, it's usually not necessary to find out if a driver is covered by an auto insurance policy. Usually, the other driver will be covered by liability insurance, you will have your own coverage and that's all you need to know. But disputes over liability coverage do come after some car accidents. Most of these disputes revolve around whether the driver or vehicle in the accident fits into any of the specific categories that can be included or excluded from a liability policy.
The following is a quick guide to common inclusions and exclusions. Learn more about the different types of car insurance coverage. You will file a claim with the at-fault driver's insurance company and your insurance should not be affected. However, in that case, a person injured in an accident could probably file a claim for compensation under the company's liability insurance.
Just make sure your sister knows how to get all her insurance information before you take off, follow these tips if you're in a car accident. But what happens if they ignore this exclusion and use your car? And, even worse, what happens if they damage it? Your state's laws could come into play right now. The question about the permit also arises if, for example, a teenager lets another teenager drive a car without the permission of the father or mother. Since then, she has worked as an article writer in the insurance industry and has gained in-depth knowledge of state and national insurance laws and rates.
However, be sure to check with your insurer before you start renting your car for money, as some insurers may increase their rates or even refuse to renew your policy if you participate in a car sharing service. In most cases, car insurance follows the car instead of the driver, but the details of a claim can vary from accident to accident. If the damages are so high that they exceed the limits of your policy, your friend's liability coverage can kick in to fill any gaps. In that case, an insurer could argue that the parent's policy doesn't cover the unrelated teen who was driving.
If the person borrowing your car is in an accident caused by another driver, the at-fault driver's insurance will be responsible for paying the damages. His research and writing focuses on helping readers understand their insurance coverage and how to find savings. To find out if your policy would cover other drivers, you must contact your insurer directly. Whatever the reason, if you exclude a person from your policy by name, your insurance will not cover a claim involving that person as a driver.
In that case, neither you nor Aunt Carol need to worry because the other driver's liability coverage will pay for your repairs, legal costs, and Carol's medical bills. . .
