Can a person drive your car who is not on your insurance? Can I Drive another car on my car insurance? Can I add an uninsured driver to my car insurance? The simple answer is YES, but I suppose it depends on the law in your state.
In NY, any licensed driver can drive any insured vehicle. If I have a car, and my car is insured in my.
Insurance is required in NY, which is tied to the vehicle. Yes, always a good idea if they are going to use your car on a more than occasional basis. Just talk to your agent and they can tell you what you need to do.
We buy insurance for cars, not for people. Anyone who occasionally drives an insured car with permission and a valid license will be covered by whatever. Your car is usually covered by your insurance if the person who borrows it does so with your permission. That permission can be either written, verbal or implie but it must exist.
If someone borrows your car without your permission, that driver might not be insured.
There are exceptions to this rule, however. Is it legal for someone to drive my car who is not on my insurance policy? Yes , as long as that person is legally licensed to drive. In the USA, most if not all car insurance policies cover the occasional driver who is known by you and for which you give that person permission to drive your car.
Be careful if you have a room mate and only you have a car. Usually, yes — your car insurance coverage should extend to anyone else driving your car. Think of it this way: the car insurance typically follows the car, not the driver. So if you lend your car to your best frien your sister or even your second cousin, your insurance is most often the insurance that will pay in the event of an accident. The other car must have insurance already.
Your occupation cannot be in the motor trade, i. It also needs to state on your certificate of motor insurance that you have the DOC extension. Contrary to popular belief, car insurance typically follows the car — not the driver. If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy.
If an uninsured driver needs to drive your vehicle, ask your insurance agent if you can add them as a driver. Someone else (who’s not an excluded driver) can occasionally drive your car with your permission and will usually be covered under your auto insurance policy. Note that car insurance follows the vehicle, not the driver.
When you lend your car to someone , your car insurance goes with it. This means that, if someone else is driving your car and get into an accident, their injuries will be covered.
As long as you have insurance on the car, any injuries caused by an accident will be covered. One reason people don’t realize this is because they know they’re the only person listed on their insurance policy. The claim would go on your insurance record and could affect your car insurance rates in the future.
In Texas, you can let them use your car unless: 1. They are excluded by name from your policy. Your policy is the “Limited” type, that only insures drivers that are named on the policy. If you want to keep Jessica out of financial and legal trouble yet still drive her car, you might consider non-owner auto insurance coverage. This type of policy provides liability coverage for drivers who don’t have a car. The omnibus clause is an auto insurance provision on your policy that ensures the person driving your car with permission is covere particularly if they are involved in an accident.
They think that insurance applies to the driver. So, if someone who is not on your insurance plan is driving your vehicle, your insurance still appliesin the case of an accident. However, this is not the case.
You can’t live in the household. If someone lives in your home and drives your car, they should be listed as a rated driver on your insurance policy. Be sure to get multiple quotes before adding a new driver or new car.
Though policies will vary, the general rule is that anyone living in your house is typically covered when driving your car, unless expressly excluded on the policy (see “Excluded Drivers” below). In many cases, everyone in the same household is actually required to be included on the vehicle’s insurance policy.