This is a question that is often asked but perhaps more importantly often ignored too… “Who can drive on my car insurance?”. Some of you may have presumed you were covered on a friends car due to their car insurance policy or your own, and that would have been illegal and potentially expensive. Some of you may even have missed an opportunity to take advantage of being able to drive under a friends car insurance!
We wanted to clear this up for you guys once and for all, so we found this great article from autoresource.internetautoguide.com who tell us exactly who can drive on on our car insurance…
Although any licensed driver can drive your car, it’s not always a good idea. Before you allow another driver to get behind the wheel of your vehicle, you should know what your insurance policy will cover in the case of an injury, accident or property damage. Depending on the type of coverage you have, certain rules are in place that protect you and your car.
Liability insurance is the minimum amount of coverage required by most states. This type of insurance protects a driver regardless of the vehicle being operated, and covers any damages caused to another vehicle, property or person. If you have liability insurance and allow someone who doesn’t have any coverage to drive your vehicle, you will be held responsible for all costs — not the insurance company.
Comprehensive insurance is attached to your vehicle, not drivers, and covers any physical damage to your vehicle resulting from incidents other than collision. It doesn’t matter who is driving your vehicle because this type of insurance is designed to protect your car. However, if you don’t give permission to a driver, or if a driver uses your car in a negligent manner, your carrier has the right to refuse coverage.
Collision insurance is attached to your vehicle and covers all physical damage not covered under comprehensive insurance that is a result from contact with another inanimate object — such as a car. The same rules apply to this type of insurance as with comprehensive insurance when it comes to others driving your vehicle. If someone uses your car without your knowledge or drives recklessly, you are responsible.
Full Coverage Insurance
Full-coverage insurance is a combination of comprehensive and collision insurance. This is the best coverage you can get for your vehicle, and it protects you against all damages. No matter what type of insurance you have, don’t let anyone without at least liability insurance operate your vehicle. The best insurance is knowing who is driving your vehicle.
We hope this clears it up for you! For more car advice, hints and tips, including how to find the best car insurance, click here.