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.
Does my car insurance cover other drivers?
Can someone else drive my car under my insurance? … Your auto insurance covers your car, not the person driving it. If someone borrows your car and crashes it, your insurance will cover the losses — however, your premiums may increase.
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 a uninsured car with my insurance?
Do not drive an uninsured car, even if you personally have car insurance. … No, it is illegal for an insured driver to be driving an uninsured car because insurance is tied to the car and not the individual driver.
How does car insurance work when someone borrows your car?
Your auto insurance policy is responsible for your car when someone else driving it is involved in an accident. … If a friend borrows your car and causes an accident, your insurance policy pays for any at-fault damages. A rule of thumb to remember in this situation is “car insurance follows the car, not the driver.”
Who is liable if I loan my car to a friend?
In California, vehicle owners are generally responsible for damages if they allow friends or relatives to borrow their vehicle. … That means it will not cover damages the excluded driver causes.
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.