If you have permission to drive another person's car, are you covered under their insurance policy?

Answer 1

Actually, my mom used to work insurance and the answer is actually quite tricky. It is a "yes" in that if the person is covered by Uninsured Motorist then you will be covered under their policy. Look under C. (would have made it look different but this thing doesn't italicize)
if the named insured as stated in the policy is other than an individual or husband and wife who are residents of the same household, the named insured shall be only a person so designated in the schedule; (B) Any child residing in the household of the named insured if the insured has performed the duties of a parent to the child by rearing the child as the insured's own although the child is not related to the insured by blood, marriage or adoption; and (C) Any other person while occupying an Insured vehicle provided the actual use thereof is with the permission of the named insured. (b) "Insured vehicle," except as provided in paragraph (c) of this provision, means: (A) The vehicle described in the policy or a newly acquired or substitute vehicle as each of those terms is defined. in the public liability coverage of the policy, insured under the public liability provisions of the policy; or (B) A non-owned vehicle operated by the named insured or spouse if a resident of the same household; provided the actual use thereof is with the permission of the owner of, such vehicle and such vehicle is not owned by nor furnished for the regular or frequent use of the insured or any member of e same household. (c) "Insured vehicle" does not include a trailer of any type' unless such trailer is a described vehicle in the policy.

However, if they do not have it you are not covered at all and any mishaps you have must be covered by YOUR insurance. If you don't have any? You'd best behave yourself and not cross a cop cause the tix for no insurance is STEEP!

Answer 2

In most states, insurance on an auto will cover you, injuries sustained, property damage, and legal fees, if you have PERMISSION to be driving it. A lot will depend on the policy and if there are any exclusions on the policy. The fact is, insurance is technically coverage on the vehicle, not the policy holders/insureds. This can very well vary policy to policy. Make sure and check with your agent to be sure.

We have had a situation in my office where there was a driver with no permission to be driving (Stolen vehicle). This person was in an at fault accident in our insureds car and all bills were paid for the driver and the claimant's bodily injury & property damage.

Insurance can get out of claims as easily as they can pay them, just a word to the wise...

Answer 3

Assuming you meet certain conditions, yes you are. Some of the more common conditions include: i) you have the proper class of licence for the vehicle, and the licence is valid (it's not suspended or lapsed); ii) you are complying with all restrictions on your licence (i.e. required to wear corrective lenses); iii) you are not using the vehicle for any illegal or illicit purpose; iv) you are not involved in a race or speed test. Some other conditions that may or may not affect your jurisdiction: i) You are not using the vehicle for a purpose different than what is stated in the policy (i.e. the owner uses his pickup to commute to and from work but you use it for your landscaping business); ii) You must not be legally intoxicated or high; iii) You actually received permission directly from the owner, not received permission from someone else who has permission from the owner (i.e. don't drive another person's rented vehicle unless you inform the rental company). If you meet these requirements (most of these are common sense), then you are treated as a named insured under the policy of the owner for the time you actually use the vehicle, however refer to a local broker/agent to ensure there are no other conditions/restrictions. However if you use the vehicle regularly, or you live in the same household as the vehicle owner and their insurer is not aware of you, then speak to the broker/agent of the vehicle owner before you use the vehicle.

Answer 4

It depends on the insurance company and the specific policy. Some will cover the car, but not the driver. Some cover both. And some have a clause that no one under 25 is covered.

Answer 5

Depends, most insurance policies now have named drivers on them this may include the owner their spouse and children. You can purchase a policy that covers anyone that drives your vehicle but they are a lot more money because the insurance companies are covering a unknown risk.

In general, the answer to your question is no.

Answer 6

Not necessarily. Usually, if YOU get sued, as the driver, the other person's policy will NOT defend you. If THEY get sued, as the owner, it will, and it will cover any damage to their vehicle that you do, USUALLY, and the damage their vehicle does to another vehicle.

There are a couple of big exclusions to this - if, for example, they are a HOUSEHOLD MEMBER to you, and you are not listed on their policy, or if you REGULARLY use their vehicle, even if you aren't a household member (example, this is grandma's car, or rather, registered in her name at her address, but YOU take it to school every day, without being listed on her policy).

Also, there are SOME policies out there that flat out exclude coverage for anyone who isn't a listed operator.

So the other person should check with their agent to be sure.

Answer 7

It relies upon on what state you stay in. I stay in michigan and we are a "no fault" state. which means that the individuals keen about an coincidence are to blame for procuring their own damages/upkeep which aren't to any extent further coated by their insurance. It doesnt count number who's fault it really is, or if the different driver has or doesnt have insurance. the guy who led to the coincidence will be ticketed, yet are not at all to blame for funds to fix your vehicle. Now if someone became utilizing your vehicle and wasnt on your insurance coverage the following in michigan, you would nevertheless ought to pay your own damages and your insurance provider would have particular movements taken. you should study your states guidelines and your insurance coverage's guidelines.

Answer 8

if the person has a policy that restricts coverage to only those people listed on the policy... then no you don't have any coveage under THEIR policy....

However.. the rule is.. Insurance follows the vehicle, unless the vehicle is uninsured, then the insurance follows the driver.

You would not be hung out to dry.. your policy would protect you.. under your non-owned auto coverage.. just like you were renting a vehicle.

Answer 9

yes, insurance follows the car not the drivers. case in point: my boyfriend came to visit me from out of state and borrowed my neices auto. he had an accident that was HIS fault and totalled the car. Her insurance paid the claim and the guy is suing over bodily injury and they ARE defending in court and offering a settlement. HIS insurance policy is secondary to the insurance on her auto.

Answer 10

Sometimes yes, usually, no. Your own policy would cover liability questions. Their comprehensive coverages would cover their physical damages. If you did not have permission, ..There would probably be no coverages, and you might be questioned on the matter of possible grand theft auto.