when you have full coverage on a car does it not cover someone who lives with you unless you got em covered?

Answer 1

As in the previous answers, full coverage means you have liability (mandatory in most states and pays for someone else's damages when you're at fault) and physical damage (comprehensive and collision) coverage which pays for your vehicle for covered losses regardless of fault.

If you let someone else drive your car, and that person has permission, and is at fault, the liability coverage should cover him/her even if not listed on the policy. Resident relatives of your household (relatives, not friends or significant others) usually have automatic coverage as "an insured", but if you have this person in your house who is a regular user of the vehicle, you need to list him on the policy. You'd have to refer to your contract, as states vary, but this is pretty much how it is across the board. For comprehensive and collision coverage, the vehicle damages will be covered no matter who is driving as long as it is covered under the policy and the person is not excluded by a special endorsement on the policy (named driver exclusion).

Answer 2

Most insurance policies will cover anyone that you give permission to drive. unless they are specifically excluded (with their name) off the policy.

There are new policies out there now that if a family member living in your household (or anyone living in your house w/you) that is not on the policy will be denied any and all coverage. Just make sure anyone that lives with you that could potentially (even if under 16years old) drive your vehicle , you let the insurance agent know when you buy your insurance.

Answer 3

full coverage refers to liability plus physical damages (comp and collision). it doesn't mean anyone is covered. that depends on your company and their stipulations. some companies have only "named driver" coverage- meaning if you want coverage, the person must be named on the policy. other companies state that any driver is covered unless they are specifically excluded. and still others will cover anyone who uses the car as long as you gave permission. call you agent to get the details of your policy.

hope this helps :)

Answer 4

Most insurance policies only cover drivers that are named on the insurance policy. The only company I know of that is an exception to that rule is USAA -- they'll cover anyone who drives your car as long as you give them permission. So if your sister lives with you and you want her to be covered when she's driving your car, you need to contact your insurance company and get her added to the policy. Full collision means the insurance company will pay to fix your car (except for the deductible -- you have to pay that) if an insured driver gets in an accident, regardless of who is at fault. The key words there are INSURED DRIVER, which means the person must be named on the policy.

Answer 5

The coverage follows the vehicle and as long as you give them permission and if they are not excluded from your policy they are covered.