Does Car Insurance Cover My Other Drivers?
Many people worry about the car they lend it to a friend. They are supposed to. They can be held accountable. If someone is driving your car, it is important to know whether you are covered. The rules of the laws and regulations of the insurance companies varies; your agent can explain it in accordance with your request. Meanwhile, there are some general rules about who is protected by the policy you while driving your car.
Permissive Use Drivers (PUD)
PUD has permission to borrow your car occasionally. For example, if a friend borrows your car to run to the store, are you covered?
Yes, but note that in accidents PUD, PUD and You can face lawsuits to bear the costs of the remaining accidents if the limits of responsibility of your policy expires and You do not have a PUD range itself. If PUD have vehicle insurance, an innocent party may file a claim for this policy.
Household Members
Each State and insurance company have different laws about household population with driver's licences that driving a vehicle with other household members.
Whether Your covered household members?
Possible, depending on your State, insurance companies, and whether household members is the driver, the driver or nondriver, not included in your policy.
If a resident household has its own vehicles and have insurance, she may be removed from your policy; claims will not be covered by your policy if this person had an accident while driving your vehicle.
If a household member who is classified as a nondriver had an accident while driving your car, your claim is likely to be covered. But nondrivers license with assessed based on your policy as a driver, so if they have a bad driving record, this will affect your premium.
If you do not disclose the members of the household, your insurance company may refuse the claim and cancel your policy, and you may be prosecuted and/or may incur charges of insurance fraud. When it comes to insurance, honesty is the best policy toward the street.
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