Any licensed driver living in the household with the named insured who is related to the insured by blood, marriage, or adoption — usually including a legal ward or foster child — is typically covered regardless of what car he or she is driving. Anyone driving the insured vehicle.
Who is covered under my car insurance policy?
As long as a driver has the vehicle owner’s permission to operate the vehicle, the owner’s policy will provide coverage no matter who the driver is. The vehicle owner’s policy should cover injuries and property damage. Exceptions always exist, which is why it’s important to go over them with an expert.
Can someone drive my car and be covered on my insurance?
Your Comprehensive Car Insurance or Third Party Car Insurance policy is only attached to your vehicle. … For someone else to be covered while driving your vehicle, they need to be on your policy as a listed driver.
Can my son drive my car if he is not insured?
In California, it is illegal to drive without car insurance. … Keep in mind that insurance follows the car, not the driver. If a friend is driving your car and they cause an accident, you will need to pay your deductible and your insurance rates may likely go up.
Does my car insurance cover my wife?
No. You do not have to add your spouse to your car insurance. Most car insurance companies will want all licensed members of your household listed as drivers, to make sure your policy’s rate is calculated properly.
Are you liable if someone has an accident in your car?
How Your Primary Coverage Works. The bottom line is that when someone to whom you have loaned your car causes an accident that injures another person or damages someone’s property, you are liable, and your insurance will be the first in line to cover their costs.
Who is responsible when driving someone else’s car?
If someone else is driving your car and another person causes the accident, the at-fault driver’s insurance is usually responsible for covering costs. On the other hand, if the driver of your car is at fault, your car insurance will usually cover damages.
What happens if someone who isn’t on your insurance crashes your car?
Many people believe in a common misconception when their friend or family member is driving their car. They think that insurance applies to the driver. However, this is not the case. … So, if someone who is not on your insurance plan is driving your vehicle, your insurance still applies in the case of an accident.
Do you need insurance to drive your parents car?
Most insurers cover someone else driving the policyholder’s car with their permission once in a while. But, if you’re going to start driving one of your parent’s cars regularly, you’ll need to be added or named on their auto insurance. You can’t legally drive your parents’ car without any insurance at all, either.
Is my child covered on my auto insurance?
If your child isn’t yet licensed, then they are usually automatically covered under your car insurance policy, depending on your insurance company. Once your child is a licensed driver, you should add them as a named insured on your car insurance policy.
Do you have to add your kid to car insurance?
No. You don’t have to add your child to your car insurance policy. … However, if a teen falls under a parent’s policy, they can remain on that policy as long as they live in the household and drive one of the family cars. As with any driver, it is always best to have the minimum state required insurance.
Do insurance companies check if you are married?
Answer: Yes — employers generally may require proof of marriage before adding a spouse to the company health-insurance plan. In fact, employers may require verification, not only of spouses, but of all dependents.
Do married couples have to be on same car insurance?
Married couples do not have to combine insurance policies. However, it usually makes sense to do so. Combining policies can qualify couples for discounts and lower rates.
Does my girlfriend need car insurance?
If you’re living with your boyfriend or girlfriend, or if they use your vehicle frequently (more than 12 times per year), consider purchasing a shared car insurance policy. Most insurance companies will require anyone living in your residence to be added to your policy as a listed driver or be excluded altogether.