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Can someone drive my car if they are not on my insurance?

Car Insurance

There are many different types of Denver Insurance, and typically the type of your insurance will dictate whether or not your friends can drive your car. Most often though, someone else can drive your car even if they are not on your insurance. The only time that this is not something that is a possibility, is if they have already been in an accident while driving your car. In this case, they may be excluded from your insurance policy.

Although this may not seem like a big deal, in some cases you may want to confirm whether or not you do have coverage. If you were to get into an accident you want to make sure everyone involved is protected.

Does it Follow the Driver or the Car?

In many cases, car insurance is attached to the car rather than the driver. For example, a rental car has its own insurance, and the specifics can vary. Laws and coverage can shift, depending on the policy, and the actual insurance company as well. Coverage requirements may depend on the state as well.

Does Car Insurance Cover Other Drivers?

Most often your car insurance will cover other drivers in your car. This is because of what we mentioned before, the insurance follows the driver. If you give your car to someone else, like your friend or family member, your insurance will pay out should someone else cause an accident. This means that they will have good coverage if you have good coverage.

Insuring Your Car Under Someone Else

Most often, the owner of the vehicle is a “named insured” on the auto policy. If another person pays for the coverage, this is possible, but you would not be insured. The person that owns the car is the one who needs to carry the insurance themselves. Who pays for it does not matter.

An Accident When Someone Else is Driving

When someone else is driving your car and they get into an accident, it will depend on what happens according to your coverage. If this does happen you will need to check with your insurance agent and see how your policy has you covered.

For example, if your friend gets into an accident with your car, but you are both insured you may wonder whose insurance will need to cover the accident. In this case, because you gave your friend permission to drive your car, your car insurance would be deemed the primary coverage.

If they also have car insurance then their insurance would be considered secondary coverage. This means that you will need to file the claim, pay your deductible and even possibly have your rates increased. Although it does not seem fair, this is what you risk when you let someone else drive your car.

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