In most states in the US, it is illegal to drive a vehicle without car insurance. However, there is some confusion regarding who and what is covered by the insurance policy a car owner purchases. Here is all you need to know about car insurance and who or what is covered by your policy.
Automobile insurance commonly follows the vehicle, not the driver. If you let another person drive your vehicle and get in an accident, your insurance agency would probably be liable for paying the case, contingent upon the inclusions in your approach. The case would go on your protection record and could influence your vehicle protection rates later on.
However, various variables may become possibly the most important factor while deciding whose vehicle protection applies on the off chance that another person drives your vehicle and gets in a mishap. Your vehicle protection will be viewed as essential protection in numerous states if another person wrecks your vehicle. That implies the inclusion you’ve picked on your arrangement would help spread the wounds or vehicle harm the driver caused.
Surely you have ever wondered if anyone can drive your vehicle because it has car insurance, thinking that it covers everything, whatever the situation. Well, there are some things you should keep in mind before leaving your car in the hands of anyone. If you want to know the answer to this question, I’m sure you’ve done more than once in your life, read on.
It is usual for our car to be driven by other people, by a friend when we make a trip, by our children or other family members. When the question arises, our car can be driven by anyone whenever. With this article, we will try to shed some light on this topic.
If my car is insured, who can drive it?
Many people think that only those declared in the policy as the main, secondary, occasional, or authorized driver can drive the insured car. At the same time, other people believe that anyone can drive it as long as the car has insurance. Well, although none of these statements is entirely true, there is something you should know. Any person who meets the age and age requirements of the card will, in principle, be covered by accident. Of course, these variables will depend on the company.
It also includes that if your car is driven by someone not declared in the policy, under 25 years of age, and has had a card for less than three years and has an accident, the insurance could be disregarded.
Who does my car insurance cover?
But then, who will be able to drive my car without problems? Well, as we said, it will depend on several factors such as the age and age of the card. But obviously, whoever appears as a driver will be the most relevant. Those of which the company has proof will be those that are protected by the vehicle policy. These may be the main, secondary, or occasional driver, and the choice of one or the other will depend on the frequency of use they make of the vehicle.
Depending on the insurer carrying your insurance, those sporadic drivers who are at least 25 years old and have the card for three years will also be covered. In any case, insurers always have to cover damages to third parties. Therefore the problem itself would arise in full-risk insurance.
Most companies state that you should never leave the car to a driver under 25 who is not enrolled in the policy since, in these cases, they do not assume the responsibility of repairing the damages suffered by the vehicle of the usual driver.
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