Tuesday, 1 April 2014

Are You Liable if Someone Else Drives Your Car?

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One of the most common questions that drivers would like to have an answer to is what happens when they let someone else drive their car and the person has the misfortune to get in a car accident.

The short answer to that question is that it depends. While most insurance policies cover the car (and not just the driver), it is always a good idea to double check with your agent before letting someone borrow your car. You should also remember that if someone else lives in your household and is allowed to drive your car on a regular basis, your insurance company most likely than not expects that person to be named on the policy.

Liability Coverage

Further to double checking your own insurance policy, you should also double check whether your friend is covered under a liability coverage policy. If they are, then there should be no problem. A liability coverage policy covers the owner of the policy, regardless of what car they drive. What that means is that you don't have to worry if your friend crashes while driving your car: Their own policy will cover the accident.

Comprehensive and Collision Coverage

If your car is covered under a comprehensive and collision policy, then you don't have to worry either. This type of policy specifically covers the car that it is linked to. Once again, it is always a good idea to double check facts with your insurance company before doing anything that might endanger your coverage.

Do you still have a question that you like to have answered? Visit SHARP INSURANCE and give us a call today!