Table of Contents
Are you liable if someone uses your car?
How Your Primary Coverage Works. The bottom line is that when someone to whom you have loaned your car causes an accident that injures another person or damages someone’s property, you are liable, and your insurance will be the first in line to cover their costs.
Will my insurance go up if someone else was driving?
Permissive Use 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 if someone borrows your car?
The short answer is your car insurance pays. 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.
Is your spouse automatically covered on your car insurance?
Liability policies cover named insureds no matter what car they are driving. Spouse. Even if a spouse of the named insured is not named on a policy, auto liability insurance almost always covers the spouse as well, while driving any car.
Should I include my Girlfriend on my car insurance policy?
In your case, the downside is that your insurance premium may increase if your policy is rated for your girlfriend’s driving record. “On the other hand, if she drives only rarely, and he doesn’t want to have her rated for an accident on his policy, he might want to consider excluding her as a driver,” says Anne Marie Thomas of InsuranceHotline.com.
What happens if my girlfriend is in an accident with my car?
Otherwise, if your girlfriend continues to use your vehicle and is involved in an accident, you’re gambling on the outcome. In a worst-case scenario, where your policy is cancelled and the claim is denied, you’ll be left paying for the damages.
What happens if you leave someone off your car insurance report?
If the party has their own insurance policy, that should be known by your insurer. If you leave anyone off, expect the insurance company to ask about them. Insurers obtain reports that list potentially undisclosed drivers, including newly licensed drivers and additional drivers.
Should I disclose my girlfriend’s driving history to my insurance company?
When it comes to disclosing the details of your driving situation to your insurance company, honesty is the best policy. Otherwise, if your girlfriend continues to use your vehicle and is involved in an accident, you’re gambling on the outcome.