my insurance is through alfa and is for alabama. I think my parent's use a national insurance company and they have insurance for alabama.
2006-12-24 12:46:52 · 10 answers · asked by ndo1985 1 in Cars & Transportation ➔ Insurance & Registration
Unless your policy specifically limits the drivers, any driver that is temporarily using your vehicle, and is not a member of your household should be covered. Some high risk policies have limitations, but under normal circumstances, there should be no problem!
If they are a member of your household, then they have to be listed on the policy.
2006-12-24 14:45:05 · answer #1 · answered by fire4511 7 · 2⤊ 0⤋
If you give a parent permissive use to drive your car, they would fit the definition of an insured person under your policy by being a permissive user. Your insurance company will cover the loss and any resulting damages your parent may be legally liable for (property damage, injuries). In some states, (not sure in AL) there may be a step down provision on a permissive user which means the bodily injury limits drop down to whatever the state minimum coverage is where the loss occurred. For instance, if you carry coverage of 100/300 (which covers up to $100,000/person and $300,000/loss) and the state minimum is 25/50, then your parent would only be covered up to a $25,000 injury loss rather than $100,000.
If your parent causes a loss and the damages exceed your coverage, they will have excess coverage with their company to protect them for damages over your coverage. There are some states with laws that hold you vicariously liable for a loss in allowing your parent to use a car and a loss occurs.
2006-12-27 11:08:11 · answer #2 · answered by RYAN 2 · 0⤊ 0⤋
Generally, IF they do not live with you and IF they don't drive on a regular basis, then yes - insurance will cover.
However, in an event of a claim - it will be fully investigated and may be denied. Be on the safe side, add them on as drivers - because of their age, they shouldn't affect the rate.
2006-12-25 04:14:13 · answer #3 · answered by PeppermintandPopcorn 3 · 0⤊ 0⤋
Insurance follows the car, not the driver. If they are driving your car on an occasional basis with your permission they are covered.
2006-12-24 22:08:56 · answer #4 · answered by oklatom 7 · 2⤊ 0⤋
You better call you insurance and check with them because my insurance will not cover my daughter unless she is added to my policy.
2006-12-24 20:59:45 · answer #5 · answered by roy40372 6 · 0⤊ 1⤋
Most companies will cover listed driver's in the household. If you have comprehensive ("full coverage") insurance your car will be covered if anyone is driving it. If you have liability only it is normally only listed drivers.
2006-12-24 22:43:22 · answer #6 · answered by Anonymous · 0⤊ 3⤋
It will cover anyone who drives your car.
2006-12-24 20:49:40 · answer #7 · answered by Anonymous · 1⤊ 0⤋
no your insurance only covers who is specifically listed onthe policy. your parents might have "rental" insurance. but it is best to pnly drive a car that you are specifically insured for.
2006-12-24 20:49:37 · answer #8 · answered by wilrycar 4 · 0⤊ 3⤋
if they get in an accident your is primary and if it a really bad wreck and your coverage does not cover it theres will kick in.
2006-12-26 02:34:14 · answer #9 · answered by simsfamily0505 1 · 0⤊ 0⤋
yes, their insurance will take over to drive yours, as long as yours is legal.
2006-12-24 20:51:45 · answer #10 · answered by Anonymous · 0⤊ 1⤋