Do you know who is covered by your auto insurance?

Even if your car is yours, it may be that other people's lead. You lend your car to your spouse, your children, other family members or friends, you are entitled to ask if they will be covered by your auto accident when they are driving. The answer to this question, and you need to make distinctions between different situations of potential drivers of your car.

In general, people who drive your car will be covered by insurance, meaning that they enjoy the same protection you in case of accident. Your insurance is not related to you, but your car. Therefore, if you lend your car, you lend your car insurance also. There are some distinctions and some clarifications.

In addition to yourself, as the principal owner and driver of your car, you should declare in your policy every person living in your home with a valid driver's license. If a person living under your roof is not declared as an occasional driver of your car, it may not be covered. By cons, anyone not living with you, but who has your permission to drive your car, will be automatically covered, and without having to be listed in your auto insurance policy. For example, if you lend your car to your spouse who does not live with you again, it will be covered by insurance in case of accident. However, it can continue to enjoy your coverage, you must declare it as a second driver in case he would arrange with you. It is therefore important to carefully read your insurance policy to be aware of these details and make sure that anyone who can drive your car is covered properly.

If another driver has an accident with your car, this accident will be on your record and may increase your premiums. Although it is reassuring to know someone to whom you lend your car is covered by your auto insurance, you still need to be careful so as not to risk having your insurance costs increase significantly due to errors someone else's. Before lending your car, learn about the habits and on the driving record of a driver potential in order to avoid unpleasant surprises. If someone in your household is considered a higher risk, there is some clause that you can exclude your coverage, should a situation where it causes an accident who borrowed your car without your permission. This clause can be useful if a company refuses to make sure, or propose to raise your premiums due to bad driving record of the driver.

In conclusion, it is your duty to take the time to declare to your insurer every driver out of your car so that he can enjoy the same coverage you in case of accident.