If you lend your car to a friend or family member, you might be worried about whether or not your insurance will cover any accident that happens while they're driving. You can't always control who gets behind the wheel of your car, and you might worry that if someone else is involved in an accident, your insurance won't cover it.
Before giving someone permission to drive your car, consider adding them as a driver on your policy. This way, they can drive your car legally, and you can rest assured knowing that the same insurance will cover them.
Can someone else drive my car and make claims if something happens?
You're trusting them to keep your car safe. If something happens to your car when they're driving it, your car insurance might not cover it if they aren’t on your policy. That's not to say that a claim isn’t filed, but it doesn't mean you won't be paying for the costs of the accident.
You can only add your friend or family member to your policy if they can prove that they're a licensed or permitted driver. If they're not fit to drive, they might not qualify.
How to add someone as a driver on your policy
If you have a single-car or multi-car policy, you will need to add one new driver or driver and passenger (or two if you have the option to add additional coverage).
What if I don't add them as a driver on my policy?
Primary drivers of the car can add others to your policy. Remember to tell your insurance company when you're getting a new policy so that they can add them to the plan.
Additionally, if you're not the one that drives the car, you don't have to worry about your insurance rates. Your insurance company knows who is driving, so you're not paying extra for a policy that was claimed by someone else.
Whatever you do, the best advice we can give you is not just to plan but to plan often. Make your life easier, and make your money work for you by thinking ahead. Follow the simple steps we've outlined in this article, and you'll be on your way to more money.
At Roper Insurance Services, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (828) 697-6709 or Click Here to request a free quote. Any coverage discussed is not guaranteed. Contact us today to go over your specific needs and we are happy to help you find a policy that works for you and your budget!