Will full coverage insurance cover someone else driving my car?

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Here's what you need to know...
  • Full coverage car insurance is essentially a policy that has many different types of coverage
  • This type of coverage helps to provide a large amount of protection in many different scenarios
  • Almost any auto insurance policy follows the vehicle, not the driver

Full coverage is a generic term that is often used to describe car insurance that provides coverage for a wide variety of liability and damage scenarios. Due to this, there is not a single definition of full coverage.

Your full coverage policy may afford some benefits, like covering someone else when they drive your car, or it may not provide any coverage at all.

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Will your policy cover someone driving your car?

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Many drivers believe that their auto policy will cover them driving someone else’s car, but this is often not the case. In most states, the vehicle’s primary auto insurance is the coverage that will apply in the event of an accident. Your full coverage insurance would be the first line of defense in the event of a car accident.

Anytime you loan out your car to someone, your insurance provides the protection, but some states do not allow non-listed drivers to operate a vehicle without having an insurance policy. In these situations, it may be beneficial to speak to your insurance provider about adding a listed driver to your policy.

Are there times when your policy does not cover a non-listed driver?

Your insurance policy may not provide coverage to any driver that is not listed on your policy and will not cover any excluded drivers, which cannot operate your vehicle as listed on your policy. Excluded drivers may be added due to their driving record or a previous incident with the insurance provider.

In most cases, it’s important to speak to your insurance provider about anyone you think may be driving your vehicle.

If you plan to allow friends or family to borrow your car often, consider purchasing an insurance policy that allows this. Every provider offers different coverage options, so getting quotes from providers that will extend coverage may help save you a headache in the future.

What can you do to protect a non-listed driver?

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One of the best ways to protect a non-listed driver from being excluded from coverage is to confirm that your coverage will extend before they use your car. Your insurance provider may ask some questions about the driver, such as their name or their driving history, to determine the risk associated with extending coverage.

Also, if you discover your insurance will not provide coverage, then your friend or family member may need to speak to their insurance provider. It is in your best interest to only allow someone to drive your car if there is insurance coverage protecting them, and your property, from the financial consequences of an accident.

If you have someone driving your car often, but your full coverage insurance will not cover them while they operate it, then you may want to have them consider a non-owner policy.

A non-owner auto policy is a type of car insurance that applies to an individual who does not have a car of their own, but may borrow one or rent one. This policy would provide liability coverage in the event of an accident, but would not provide coverage for damages to your vehicle.

Choosing the Best Coverage

Having an auto policy that could be considered full coverage is a great idea since these policies often have many different coverage options that help protect you from liability and property damage costs.

However, not every policy or insurance provider affords the same levels of coverage. Also, some states may have rules or regulations in place that limit or prohibit your coverage from extending to someone else.

If you plan to let someone drive your vehicle, contact your insurance provider to find out more details. They will explain what your policy covers, as well as who may drive your car.

Also, your state’s Department of Insurance is an excellent resource if you want to learn more about state-specific regulations surrounding auto insurance.

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