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{"id":6829138870423,"title":"Is My Car Covered if Someone Else Drives It?","handle":"is-my-car-covered-if-someone-else-drives-it","description":"\u003ch1 data-mce-fragment=\"1\"\u003eIs My Car Covered if Someone Else Drives It?\u003c\/h1\u003e\n\u003cp data-mce-fragment=\"1\"\u003e\u003cstrong data-mce-fragment=\"1\"\u003e \u003c\/strong\u003e\u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003eAs a good friend or family member, you are open to lending your car to someone in need. What happens if that individual gets involved in an accident and your vehicle is badly damaged? What are the consequences from an insurance standpoint? You may wonder if your car insurance in City Name will cover the loss; or if you will have to shoulder the burden out of pocket. The only way to know for sure is to review the details of your automobile insurance.\u003c\/p\u003e\n\u003ch2 data-mce-fragment=\"1\"\u003eAutomobile Insurance May of May Not Cover the Damage\u003c\/h2\u003e\n\u003cp data-mce-fragment=\"1\"\u003eDamage to your vehicle when another driver gets into an accident may still be covered under automobile insurance. However, this depends on the type of policy you have. In this instance, if the person driving your vehicle was responsible for the accident, you would need to have collision insurance coverage. This would apply to both, a vehicle that is beyond repair and one that needs repair.\u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003e \u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003eMost auto insurance policies only allow you to add other drivers if they are frequent and regular; not random. Instead, your policy would consider this driver a permissive use driver and that means they should be covered as long as you have the right coverage. If the other driver was at fault, their insurance would likely be paying for the damage; regardless if your friend or family member was driving your car.\u003c\/p\u003e\n\u003ch2 data-mce-fragment=\"1\"\u003eAre there Exceptions?\u003c\/h2\u003e\n\u003cp data-mce-fragment=\"1\"\u003eThere are always exceptions to policies and coverage, which is why it is important to fully understand what your auto insurance policy covers (and more importantly, what it does not). Some instances where a driver may not be covered include:\u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003e \u003c\/p\u003e\n\u003cul data-mce-fragment=\"1\"\u003e\n\u003cli data-mce-fragment=\"1\"\u003e\n\u003cem data-mce-fragment=\"1\"\u003eThe driver was excluded. \u003c\/em\u003eIf you specifically excluded a driver from your policy (due to a poor driving record or another reason), then they drive and wreck the vehicle, the damage may not be covered.\u003c\/li\u003e\n\u003cli data-mce-fragment=\"1\"\u003e\n\u003cem data-mce-fragment=\"1\"\u003eYou did not give permission.\u003c\/em\u003e In some cases, if someone borrows your car without permission, you may not be liable for the damages.\u003c\/li\u003e\n\u003cli data-mce-fragment=\"1\"\u003e\n\u003cem data-mce-fragment=\"1\"\u003eThe driver was not licensed.\u003c\/em\u003e Any time you lend your vehicle to a friend or family member, make sure they have a valid driver’s license. If the driver is unlicensed and wrecks your vehicle, insurance may not cover the damage.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-mce-fragment=\"1\"\u003e \u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003eAs a car owner, it is always best to think twice about who you lend your vehicle to. If someone has a history of poor driving, it may be best to not let them use your vehicle. If you do loan it out, know who you loan it to and realize that an accident can happen to even the best of drivers.\u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003e \u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003eBeing covered in situations like this comes down to the policy you choose. Company Name can help you find vehicle insurance in City Name that covers instances just like these as well as other unexpected situations. Get the most out of your policy with the best rates by contacting our friendly, knowledgeable brokers today.\u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003e \u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003eOur team offers you a no-obligation automobile insurance quote and we will also look for discounts so that you get the best possible rates. Call us at Your Number to request a quote.\u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003e \u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003e \u003c\/p\u003e","published_at":"2021-05-06T03:20:57-04:00","created_at":"2021-05-06T03:20:56-04:00","vendor":"kickstandcontent","type":"","tags":[],"price":10000,"price_min":10000,"price_max":10000,"available":true,"price_varies":false,"compare_at_price":null,"compare_at_price_min":0,"compare_at_price_max":0,"compare_at_price_varies":false,"variants":[{"id":40027832254615,"title":"Default Title","option1":"Default Title","option2":null,"option3":null,"sku":"2020-Home-1154","requires_shipping":true,"taxable":true,"featured_image":null,"available":true,"name":"Is My Car Covered if Someone Else Drives It?","public_title":null,"options":["Default Title"],"price":10000,"weight":0,"compare_at_price":null,"inventory_management":null,"barcode":"","requires_selling_plan":false,"selling_plan_allocations":[]}],"images":["\/\/kickstandcontent.ca\/cdn\/shop\/products\/1154-INS-LendingaCar.jpg?v=1625775936","\/\/kickstandcontent.ca\/cdn\/shop\/products\/1154-INS-LendingaCar.png?v=1625775936"],"featured_image":"\/\/kickstandcontent.ca\/cdn\/shop\/products\/1154-INS-LendingaCar.jpg?v=1625775936","options":["Title"],"media":[{"alt":null,"id":22728484618391,"position":1,"preview_image":{"aspect_ratio":1.5,"height":300,"width":450,"src":"\/\/kickstandcontent.ca\/cdn\/shop\/products\/1154-INS-LendingaCar.jpg?v=1625775936"},"aspect_ratio":1.5,"height":300,"media_type":"image","src":"\/\/kickstandcontent.ca\/cdn\/shop\/products\/1154-INS-LendingaCar.jpg?v=1625775936","width":450},{"alt":null,"id":22728484683927,"position":2,"preview_image":{"aspect_ratio":2.348,"height":414,"width":972,"src":"\/\/kickstandcontent.ca\/cdn\/shop\/products\/1154-INS-LendingaCar.png?v=1625775936"},"aspect_ratio":2.348,"height":414,"media_type":"image","src":"\/\/kickstandcontent.ca\/cdn\/shop\/products\/1154-INS-LendingaCar.png?v=1625775936","width":972}],"requires_selling_plan":false,"selling_plan_groups":[],"content":"\u003ch1 data-mce-fragment=\"1\"\u003eIs My Car Covered if Someone Else Drives It?\u003c\/h1\u003e\n\u003cp data-mce-fragment=\"1\"\u003e\u003cstrong data-mce-fragment=\"1\"\u003e \u003c\/strong\u003e\u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003eAs a good friend or family member, you are open to lending your car to someone in need. What happens if that individual gets involved in an accident and your vehicle is badly damaged? What are the consequences from an insurance standpoint? You may wonder if your car insurance in City Name will cover the loss; or if you will have to shoulder the burden out of pocket. The only way to know for sure is to review the details of your automobile insurance.\u003c\/p\u003e\n\u003ch2 data-mce-fragment=\"1\"\u003eAutomobile Insurance May of May Not Cover the Damage\u003c\/h2\u003e\n\u003cp data-mce-fragment=\"1\"\u003eDamage to your vehicle when another driver gets into an accident may still be covered under automobile insurance. However, this depends on the type of policy you have. In this instance, if the person driving your vehicle was responsible for the accident, you would need to have collision insurance coverage. This would apply to both, a vehicle that is beyond repair and one that needs repair.\u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003e \u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003eMost auto insurance policies only allow you to add other drivers if they are frequent and regular; not random. Instead, your policy would consider this driver a permissive use driver and that means they should be covered as long as you have the right coverage. If the other driver was at fault, their insurance would likely be paying for the damage; regardless if your friend or family member was driving your car.\u003c\/p\u003e\n\u003ch2 data-mce-fragment=\"1\"\u003eAre there Exceptions?\u003c\/h2\u003e\n\u003cp data-mce-fragment=\"1\"\u003eThere are always exceptions to policies and coverage, which is why it is important to fully understand what your auto insurance policy covers (and more importantly, what it does not). Some instances where a driver may not be covered include:\u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003e \u003c\/p\u003e\n\u003cul data-mce-fragment=\"1\"\u003e\n\u003cli data-mce-fragment=\"1\"\u003e\n\u003cem data-mce-fragment=\"1\"\u003eThe driver was excluded. \u003c\/em\u003eIf you specifically excluded a driver from your policy (due to a poor driving record or another reason), then they drive and wreck the vehicle, the damage may not be covered.\u003c\/li\u003e\n\u003cli data-mce-fragment=\"1\"\u003e\n\u003cem data-mce-fragment=\"1\"\u003eYou did not give permission.\u003c\/em\u003e In some cases, if someone borrows your car without permission, you may not be liable for the damages.\u003c\/li\u003e\n\u003cli data-mce-fragment=\"1\"\u003e\n\u003cem data-mce-fragment=\"1\"\u003eThe driver was not licensed.\u003c\/em\u003e Any time you lend your vehicle to a friend or family member, make sure they have a valid driver’s license. If the driver is unlicensed and wrecks your vehicle, insurance may not cover the damage.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-mce-fragment=\"1\"\u003e \u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003eAs a car owner, it is always best to think twice about who you lend your vehicle to. If someone has a history of poor driving, it may be best to not let them use your vehicle. If you do loan it out, know who you loan it to and realize that an accident can happen to even the best of drivers.\u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003e \u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003eBeing covered in situations like this comes down to the policy you choose. Company Name can help you find vehicle insurance in City Name that covers instances just like these as well as other unexpected situations. Get the most out of your policy with the best rates by contacting our friendly, knowledgeable brokers today.\u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003e \u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003eOur team offers you a no-obligation automobile insurance quote and we will also look for discounts so that you get the best possible rates. Call us at Your Number to request a quote.\u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003e \u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003e \u003c\/p\u003e"}
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