In the world of car insurance coverage, one of the most commonly asked question is this one:
What happens if someone else is driving my car and they get into an accident?
Before answering this question, Sharp Insurance would like to clarify one thing. In Fort McMurray, car insurance coverage encompasses MANY different policies.This is something that tends to confuse newcomers a lot. In other words, there is no such thing as "car insurance coverage" by itself.
We say this because the policy under which you specifically are protected might be different from the one that your friend is protected under. And as you might have guessed by now, which policy you have can change the answer to the question above.
Since there is no "one-size-fits-all" answer to that question, let's take a look instead at some of the most common car insurance policies in Fort McMurray and how those policies view someone else driving your car and getting into an accident:
Liability insurance policy: This policy covers a driver and not a car. Before allowing your friend to drive your car, we highly recommend that you ask whether they are protected under this policy or not.
Comprehensive auto insurance policy: This policy is linked to your car. But does it also cover the damage that has been done to it when another person was behind the wheel? Unfortunately, we can't answer this question either. Instead, we recommend that you call your insurance company and find out for yourself.
Collision insurance policy: This policy covers damage related to collisions. But just like the policy above, we can't say for sure whether a friend driving your car might hinder your claim. If you own this policy, talk to an insurance agent instead.