Does my car insurance cover other drivers Ontario?

How do I know if my car insurance covers other drivers?

Most car insurance policies will cover drivers you’ve listed on the policy, or anyone whom you give permission to drive your car, says Nolo.com. This means your insurance will likely cover another driver in the event of an accident, as long as they had your permission to drive your vehicle.

Does insurance cover other drivers of my car?

Usually, yes — your car insurance coverage should extend to anyone else driving your car. … This means even if your friend, sister or cousin have the best coverage possible, it would usually be your auto insurance that’d be covering the damages if they were at-fault in an accident while driving your vehicle.

Does insurance cover other drivers not listed?

An auto insurance policy primarily protects the actual vehicle. But does insurance also cover the driver? Conditions apply, but the short answer is “yes.” Qualifying drivers can benefit from insurance coverage, even if they’re not listed on the policy.

What happens if someone else is driving my car and gets in an accident in Ontario?

Your insurance goes along with your car

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When someone borrows your car and has an accident, any claims for damages by other parties are made against your insurance policy. The accident goes against your record and could lead to higher auto insurance premiums.

What happens if someone not on your insurance crashes your car?

What happens if someone wrecks your car and they aren’t on your insurance? … But if you can prove they weren’t given permission to drive or if they’re specifically excluded from your policy, then your insurance won’t cover them and they’ll be liable for the damage they caused.

Can I drive my dad’s car with his insurance?

Typically, even if the person driving your car has his or her own insurance, your insurance will be the primary payer for damages caused by your vehicle; but, the person driving your car has to be found legally at fault before your insurance will pay.

Can my son drive my car if he is not insured?

In your policy’s omnibus clause, it states that any driver who is a family member living in the same house, including children away at school, are covered as long as you give them permission to use your car. … The insurance company may also request that you put the drive on your excluded driver list.