The majority of people are uncertain as to what would happen to their auto insurance coverage if someone else was the driver and their car was involved in a collision that resulted in damage. As long as you adhere to the terms and conditions outlined in your auto insurance policy, car insurance will nevertheless protect you, your vehicle, and any third-party claims in the event of a collision. You might seek assistance from a car accident attorney if you were injured in a car accident but your insurance provider is refusing to compensate you.
Who needs to pay for the damages?
Due to the fact that some states are considered to be “at-fault states,” the driver who caused the incident will be responsible for paying for the damages and losses incurred by other drivers and passengers. This means that the state-mandated minimum liability auto insurance will frequently not be adequate to pay the costs paid as a result of the injuries and property damage suffered by third parties, placing the at-fault driver at a tremendous financial burden. As the insurance company will not cover those expenses under the minimum responsibility, the at-fault driver will also be liable for any of their personal injuries and damages.
What happens when you let someone drive the car?
Although auto insurance policies can vary from one insurer to another, as a general rule, your insurer will almost certainly cover any driver who operates your vehicle. This means that since “permissive use” typically applies in certain circumstances, you can lend your car to family members or close acquaintances. “Permissive use” means that anyone you let drive your car is covered by your auto insurance. However, they won’t be covered while driving your car if those persons are specifically listed in the “excluded drivers” portion of your auto insurance. It can be challenging to determine who your auto insurance will protect when they use the car you own.
Whenever you let someone drive your car check the validity of the person’s driver’s license and the terms and conditions for your auto insurance coverage before you contemplate renting your car, as insurance companies frequently look for ways to avoid paying. By contacting your car insurance company via their website or at their customer support number, you can find out more information about the coverage provided by your policy. But in case you are still unsure. get in touch with an attorney right away to get their assistance.