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Ever wondered, ‘Does the car I possess insurance cover if additional individuals drive it, too?’ I’ve dealt with this question more often than I can remember, let me tell you. I’ve been working in the auto insurance sector for many years. This issue frequently arises, particularly if you often allow your friends or family to drive your vehicle occasionally. We’re going to address this issue directly and dismantle into the five most common queries about vehicle coverage for additional drivers.
Number one question: What if I let my friend or a relative borrow my car?
Number two: Can I specifically name someone on my insurance to drive my car?
Now, what if the person causes an accident in the car?
Number four: Can I keep certain people off my car insurance?
And for last, number five: How do I know if my coverage will apply to others using my car?
Number one question: What if I let my friend or a relative borrow my car?
When you allow someone to drive your car, your car insurance typically includes them, but they must have a valid driver’s license and not explicitly named as an exclusion. There are a few things to consider, though.
But if the driver has a record of serious traffic violations or they have been caught for driving under the influence, your insurance may not apply. Review your insurance policy to confirm.
Number two: Can I specifically name someone on my insurance to drive my car?
Adding someone in your vehicle auto liability protection is a good way to ensure they’re covered if they drive your vehicle. It’s really useful if you’ve got a teenage driver at home.
To add a named driver, you’ve just got to give them the works: their details, their driving history, and their personal auto liability protection information. Just remember, adding them might change your rates, so discuss with your auto liability protection agent about that.
Now, what if the person causes an accident in the car?
If they have an accident and you’re the car owner, your auto liability protection auto liability protection auto liability protection should pay for the damages. Exclude in mind there are some considerations.
If they were at fault in an accident, that can increase your auto liability protection premiums. And also, if they tend to cause accidents, it might reflect poorly on you, either.
Number four: Can I keep certain people off my car insurance?
Without a doubt, you can exclude certain individuals from your insurance. This is done to avoid extra risk from specific individuals.
To exclude someone, inform your insurance and provide a reason, and it’s done. Be sure to carefully consider your decision since excluding someone means they won’t have coverage.
And for last, number five: How do I know if my coverage will apply to others using my car?
The most effective way is to review your insurance policy thoroughly. Search for sections concerning ‘permissive use’ or ‘additional insured’.
‘ This will clarify the situations in which other drivers are insured. If it remains unclear, simply contact your insurance agent – they will resolve any ambiguity.
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