What happens when your teenager, friend, or other family borrow your car to run some errands? You probably through the car keys at them and wish them a nice ride. However, have you ever take a minute to think about what might happen if they are involved in an accident while riding your vehicle? Will your insurance policy from San Marcos Insurance Group cover them? Therefore, before you blindly allow other people to drive your car, it is good to think about the other issues involved. Knowing what your auto insurance will cover and what it won’t cover is critical when it comes to friends or family members driving your vehicle.
Does My Car Insurance Cover Other People?
Car owners in Chandler, AZ commonly ask this question, and it is a genuine question that requires explanation. To better understand this query, you need to understand the various types of auto policies and what they cover. While some insurance policies cover the driver, others are specifically meant to cover the vehicle.
In general, your car insurance policy will cover the vehicle and not the driver. However, there will always be exceptions to cover the driver as well. If the driver you are lending your car is licensed and insured, he/she might be covered by your or his/her insurance policy. Typically, the liability coverage covers only you and no one else. The good thing about liability coverage is that it will still cover you when you drive other people’s cars. The opposite is also true. This means that if your friend has liability coverage and they get behind the wheels of your vehicle, they will still be covered.
The collision and comprehensive coverage will always cover your car in Chandler, AZ no matter who was driving it at the time of the accident. These two types of policies are usually linked to your vehicle and not the driver.
Contact San Marcos Insurance Group today for your auto insurance policy.