If you lend your car to someone else, you may wonder whether your auto insurance coverage will cover that driver in the event of an accident. This can be a huge concern, because if the driver isn't covered and gets into an accident, you could find yourself the subject of a lawsuit. Fortunately, in most situations, the answer is that the auto insurance coverage extends to anyone you knowingly let drive your vehicle.
Who Does Auto Insurance Coverage Include?
When you apply for an auto insurance policy, generally, you should list your spouse and any children of driving age on the policy. If the insurance company finds out you left off your spouse who routinely drives, in order to avoid having your rates raised because of his history of tickets, this could constitute insurance fraud. It could also give the insurer an excuse to deny coverage if your spouse gets into an accident when you expressly hid his presence when applying for insurance.
However, you obviously cannot list every person who may borrow your car on the insurance policy. Fortunately, insurance generally covers anyone who you willingly grant permission to borrow your vehicle. This rule extends to people who borrow the car in a one-time situation, or occasionally. If you intend to have someone drive your vehicle on a regular basis, they should be listed on your policy.
If the person driving the vehicle does not have the express permission of the named insured, auto insurance coverage may not be extended. For example, if your child allows his friend to drive your vehicle without your knowledge, your insurer may deny coverage to the friend. Likewise, if the person who borrows your car is not legally allowed to drive or does not have a valid driver's license, coverage may be restricted.
What Happens if the Person Isn't Covered
If you lend someone your vehicle and your insurance carrier denies coverage in the event of an accident, you can attempt to recover damages through the insurance policy of the person who was driving. The liability provisions of his own car insurance policy may provide him with coverage against your claim of damages. You could also sue the person who was driving individually for damages, to recover the amount you had to pay out as a result of his improper driving of your vehicle.
Exactly what happens in this situation will depend on what the incident was, who was responsible, what types of insurance coverage all parties have, and the other specific circumstances of the accident.
Verifying Auto Insurance Coverage
Before you lend someone your vehicle, it is a good idea to check with your insurance carrier to find out their policy on extending auto insurance coverage to unnamed drivers. Otherwise, you could be opening yourself up to potentially expensive liability in the event of an incident.
Sabtu, 04 September 2010
Kamis, 15 April 2010
Insurance Quotes & Insurance Rates in all 50 States.
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Welcome to 4freequotes.com, where completing one insurance quote request form enables you to receive rates from multiple companies simultaneously! If you're like millions of Americans, you are wondering where you can find affordable insurance rates and seek quotes from companies offering lower, more competitive premiums. Well, you've come to the right place. Instant quotes are now available in all 50 states from top carriers and this site offers the ability to match your request with insurance agents, companies and brokers instantly. Whether it be home insurance, car insurance, quotes for your business, group health or any of the other 18 types of quotes, you're in the right place. To locate insurance agents, brokers, and/or companies offering free insurance quotes in your state on 18+ types of insurance, please use the menu below as millions have since 1997. As the name implies, comparing rate quotes on insurance is free!
Use the menu below to select the type of insurance quotes you desire, then enter your 5-digit zip code. Click the Request Quotes Button below to begin.
Please enter your 5-digit zip code:
Which insurance company offers the cheapest or lowest prices on car insurance? That varies by state, age, driving record and many other factors. No one company can be the best at everything. The key is to find an insurance company that can provide YOU with the coverage you need at an affordable price.
In addition to providing a forum where you can request comparisons and instant quotes on many lines of insurance, we also offer access to many of the top personal finance, mortgage, and car buying sites in addition to a whole host of financial calculators.
4freequotes.com has been in operation since 1997 and is currently visited by an average of over 75,000 people per month. We strive to provide consumers with the easiest route to requesting insurance quotes and to provide insurance professionals the forum necessary to meet the needs of web savvy consumers. We encourage your suggestions. Thank you for visiting.
Minggu, 11 April 2010
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