Yes, if anyone in your family member has opted for a car insurance policy, and in case you are driving their car and unfortunately met with an accident, you are covered. It is advisable to have a Comprehensive Car Insurance Policy to avail better coverage against any mishap.
Insurance Coverage. The answer below is incomplete. It is true that you should check with your carrier, but keep in mind, their answer will normally will result in getting more premium. With State Farm and Allstate you as a policyholder will always be covered, unless an excluded driver uses your vehicle. Otherwise you will be covered. If the driver who is involved in the accident lives in your home they will add the driver onto your policy, or exclude them in the future after the accident, regardless of who is At Fault. If you are a new policyholder, you must disclose all drivers living in the household at the time you are purchasing the auto insurance, or run the risk of fraud. Autoclub will lower your liability to the state min. which is 15000/30000, regardless of what limits you have and are paying for. Mercury will try and get out of paying the claim until they get tired of you pushing them.
Mercury has to be one of the worst insurance companies one could have in the state of Ca.
The answer lies with your insurance company. If indeed they consider you an authorized driver/operator, they will be happy to provide a document to that effect. I think, however, that you will not be covered without being added to the policy by name. Everyone in my home that drives on our insurance has a card that states this.
More opinions and answers from other FAQ Farmers:
The comments about Mercury Insurance and state limits are misleading. Not every state has the same minimum limits.
If you are carrying named driver limited lines coverage, 'covered drivers' takes on an entirely different meaning than on a standard policy form. On a standard policy form, nearly any licensed driver that drives your 'listed' vehicle WITH YOUR PERMISSION, is 'covered' while they are driving it barring insurance risk concealment fraud.
Generally, though there may be exceptions state to state or company to company, on a named driver policy, ONLY the 'listed' drivers are covered.
In Wisconsin, anyone to whom you give permission to drive your car is covered by your insurance. You can not exclude any driver here. The bottom line is, you need to check with an agent you trust in your state because the laws about who is hidden covered and who is not vary dramatically state to state.
Coverage under a Family Members car Insurance
If you are a listed, scheduled driver on your relatives insurance policy then yes you are covered. If you are not a scheduled driver then maybe you will be covered and Maybe you will not be covered.
An unscheduled permissive use driver can be covered for some types of claims so long as the permissive use was not in violation of the law or the insuring contract. In most cases if your friend across the street or relative from out of town, the occasional unexpected driver then yes you would be covered under permissive use rules and the owners liability under a standard form policy. If you are a household resident family member or a regular operator then you are required to be scheduled on the policy for coverage. Regulations will vary by state in the U.S.
Some of the low cost "Named Driver" policy offerings though economical for some, may not extend coverage to unscheduled drivers at all. Hence the policy form name. So make sure your getting the best coverage you can afford.
It's a good idea to review coverage from time to time, make sure it's the right coverage for you now and the foreseeable future. If economy was an issue when you purchased your last policy, when finances allow you may want to address any under-insured exposures and adjust limits to cover the reality of new risks or assets and other net worth exposures.
Call and ask questions if needed like the company policy on occasional and additional drivers, visiting guest and family members etc. Ask about Available coverage limits and policy upgrades with enhanced limits matching real asset and income protection exposures rather than state minimums. Accident claims often exceed state minimum limits leaving an insured exposed to future liens for losses beyond the policy limits.
Check on the latest offerings to make sure your getting their best rate plan and all available discounts for the coverage you need. They can also help you make sure all driver risks you face are properly covered.
An ounce of prevention is worth a pound of cure.
Yes you are covered on a family members car insurance if you are driving a vehicle owned and insured by them.....
As long as you are sure they have insurance and if you are listed as a drive on such insurance policy. If these cases are both yes then you will be covered under their insurance as long as you have permission to drive the vehicle.
Workers comp insurance has nothing to do with family members. Workers comp insurance is an insurance policy that your employer will have on if in case you get hurt at work.
If you are a permissive driver (given permission to drive the vehicle by the named insured), your accident would be covered under the owner of the car's policy. The insurance follows the vehicle, not necessarily the driver. You might want to check the owner's policy. I've seen a clause that specifically excludes damage caused by another vehicle insured by the same person.
Anyone you give permission to is covered on your policy. Family members are certainly covered, even step children no living with you. Do not use this availability as primary insurance for them though. They should be listed on the residential parent's policy.
The benefit of family medical insurance above individual medical insurance, is that your premiums are much lower and the whole family is covered, instead of having to take out separate policies for everyone.
No, That's what you major medical insurance policy is for.
By referring to the family members on survival
This will depend on the kind of health insurance your parents have. Some health insurance may cover pregnancy while others do not. You will need to contact your insurance agent and ask them about your family coverage.You should also have a insurance booklet that states what treatments and doctor visits are covered and what is not covered.
no-fault insurance Provides coverage if you, a family member, or your passengers are injured or killed in a covered accident involving a driver who doesn't have insurance at all or who doesn't have enough insurance to cover the damage they cause you.