Will I be covered by my car insurance?

Question

I am buying a new truck, and I am getting full coverage insurance on it. If I let somebody drive my car that has no car of their own and no insurance, will they still be covered by my insurance if they get in an accident since I gave them permission to drive my truck?

Answer 1

Insurance goes with vehicles, not with drivers. If your friend is driving with your permission and has a valid drivers license, he is covered.

Answer 2

Your "full insurance" covers YOU and YOUR vehicle.

It normally does not cover some other person.
So if there is an accident, the liability falls on a combination of the insurance for the person who is driving, and the insurance for the owner of the vehicle. If there is a gap in the insurance, you, the owner of the vehicle, and the uninsured driver, could both be in serious trouble.

You need to read the fine print on what the "full insurance" really covers ... it might not cover some other person driving your car.

Also ask your insurance agent about any coverage you might have when you are renting some vehicle, when yours is being repaired ... sometimes you have some coverage there, sometimes not, you need to know in advance.

When I took a road trip into Canada, I had to get extra auto insurance coverage over & above what was required when I normally drive in USA.

My "full insurance" has a discount rider saying no one below the age of 25 may drive the car ... so for example, I cannot take it to one of those parking lots or parking garages where other people will drive it, because I do not know what age they may hire. When I take it to auto dealer for repairs ... I specifically ask about this & they tell me the auto dealer insurance covers it if there is an accident while one of their employees is test driving my car to check out their repairs, or to diagnose problem I reported.

We see this a lot with parents having a car & there are teenagers in the family & the question is what it does to the parents insurance rate to have the children driving the car.

First off, the children are not on the policy unless the parents get them added, and right away the insurance cost skyrockets, because teenagers are considered to not be as good drivers as people with may years spotless records.

Answer 3

If the have a valid license then yes, you covered the truck, and the insurance is for the truck, occasional other drivers are covered. If he gets in an accident your rates might go up.

Answer 4

it depends on what state you live in. Some states require the driver be insured others require the vehicle. Definitely check with your agent before letting your friend drive

Answer 5

Naturally, this depends on which state you live in. Check with your insurance agent BEFORE you let your uninsured friend drive.

Answer 6

If you pay extra you can get a policy that allows coverage for other licensed drivers you allow to use your vehicle. But they have to have a valid drivers license issued by the same state your policy is.

Answer 7

Yes, the insurance company covers the truck, not the driver.

Answer 8

your person motor vehicle coverage would conceal you for a apartment replace, yet oftentimes provided that your motor vehicle became into in an twist of destiny. examine consisting of your coverage adjuster for the information of your coverage. For greater motor vehicle apartment innovations, flow to

Answer 9

Compare insuran ce quotes

Answer 10

Nope, they dont cover other people, if your not driving kiss the insurance goodbye.