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It may and it may not. It depends on the definitions of an "insured" driver under the terms of your insurance policy and the type of insurance policy you bought.

Most standard policies will extend coverage to certain drivers you have given permissive use while others such as low cost "Named Driver" policies extend coverage to no one other than those named on the policy.

Contact your insurance agent if you need assistance with your policy language.

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βˆ™ 2012-01-03 07:49:38
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Insurance

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Q: Does car insurance cover the driver if he is not on the policy?
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Does your insurance cover a borrowed friends car without insurance?

If you are driving the car it may cover you, but it won't cover a car unless it is on your policy. Depending on your policy it may not cover you either. Some insurance policies don't cover you if you allow another driver other than yourself to drive your car. Check your policy.


Does insurance follow the car or the person?

Depends on the insurance policy. A good one will cover both, as long as the driver has permission to drive the car, and the policy owner can cover a rental or a new vehicle.


Will your insurance cover your married daughter who drives your car?

Yes, as long as you add her as a regular driver on your insurance policy.


Who is responsible for a accidents costs the owner of the car or driver?

the accident is cover by insurance if the driver did not have insurance but the owner dose then it should cover for uninsured motorist if the driver was not a excluded driver of the vehicle a excluded driver is like a relative that lives the the policy holder but is not on the policy as a driver


Who pays when driver is not the car owner but has car insurance?

Usually the insurance policy of the owner of the car is primary and then if the driver of the car has a policy of their own then it is secondary.


Why can't I get a rental car from the driver who totaled my car?

Presumably because the other driver's insurance doesn't cover that expense. Check into your own insurance policy to see if maybe your own insurance does.


Will AARP cover a minor accident if someone else was driving your car?

ANY driver with permission to drive that car by the owner is covered under that car's insurance policy. Insurance goes with the car...not the driver.


Will insurance cover the car i hit if im not on policy?

It depends on the state, policy, and company. Some will if you were an authorized driver of the vehicle and you had an accident.


What happens if the driver at fault hits a car and the driver at fault has no insurance will the car that hits you have to pay for your car?

If you have comprehensive insurance, your policy will cover the damages (less a deductable). In this case, your insurance company will sue the at fault driver. You can also sue the at fault driver for damages (if you do not have comprehensive).


Can you add a driver to your car insurance?

yes ,you can add driver's name in your insurance policy.


If you are a passenger in a one car wreck and the driver is not a designated driver who will pay for your medical bills?

The at fault drivers auto insurance policy would pay for medical bills up to the policy limits for which that insured driver is liable. If there is no insurance then there is no coverage. If no one has Auto Insurance to cover you, hopefully you have a major Medical Insurance Policy in place. Major medical will cover your medical expenses even from a car accident.


Will insurance cover driver not on policy?

Most auto insurance covers anyone you allow to drive your car, except people living in your house.

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