Know Who Needs to be Listed as a Driver
Handing over your keys to another, even for a quick trip, can be tough. While you may not want to give up control of your vehicle and your perfectly adjusted seat, the real concern should be if he or she is covered by your insurance. If you’re confused about who does and doesn’t get the benefit of auto coverage when they take the wheel of your car, you’re not alone. Read on for more information!
Does my car insurance policy cover someone else?
- Immediate family
People living in the same house typically enjoy the car insurance coverage of whoever’s ride they’re using. While laws can fluctuate state to state, your spouse and children (as long as they have a valid driver’s license) should be covered.
- Extended family
If your uncle, grandma, or another relative wants to borrow your vehicle while visiting, they will usually be covered by your policy thanks to permissive use. Permissive use means that if you give someone permission to use your ride, they can typically fall under your vehicle’s auto policy. Just make sure they have a valid license. If he or she is going to using your vehicle for several weeks, your insurer might want them to be added to your policy before they drive your vehicle.
Permissive use typically covers friends who use your wheels once in a while. If you and your friends take it in turns to drive on a road trip, they’ll likely fall under those who are covered. However, they may not get the same coverage amounts, meaning that they face lower liability limits.
In general, car insurance follows the car. However, if you’re ever in doubt, talk to your insurer. For all of your car coverage needs to keep all of your vehicles protected, contact C.V. Mason Insurance Agency in Bristol, Connecticut. We will work with you to ensure you have the right amount of auto insurance coverage at the right price to fit your budget.