“What if another driver gets into an accident in my car?” It’s a good question, even if you don’t plan to lend your car out in the near future. Although, not all vehicle owners know the answer to it. Even if someone has a good driving record, anything can happen on the road.
Deciding if another driver can borrow your car can be a tough choice, but, it’s a choice you might have to make at some point. The choice poses a number of questions, such as, What if they get a speeding ticket? What if an officer pulls them over? Even worse, what if another driver gets into an accident in my car?
A speeding ticket will not affect you but depending on the available insurance, a car accident while driving may.
Who Is Covered Under Your Insurance Policy?
The general rule is that anyone living in the same household as the policy owner has coverage while driving your car. However, that is unless the policy explicitly labels them as an “excluded driver”. In Illinois, most coverages follow the car. But, a few coverages do follow the driver.
Liability And Non-owners Insurance
These policies always follow the driver. These cover body and property liability damages. The policies also keep you insured no matter what car you are driving.
Comprehensive And Collision Insurance
These types of insurance follow the insured car. Family members and other people living in the same household as the insured person will also be under the policy. Although, not if they carry the label of an “excluded driver”.
However, they are only insured if they have your permission to drive your vehicle, not if they take the car without your permission. You are held liable for covering the damages, if the damages for the accident go over the insurance companies policy limits.
Do you need more information about property damage coverage, insurance ratings or collision coverage? Our agents and customer service team are here to help with your auto insurance needs. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.
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