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If your non-household child drives your car with permission is he covered by your auto insurance?

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Wiki User
2005-11-17 03:52:43
2005-11-17 03:52:43

Yes, however the child should be listed on someones policy as a driver. If the child drives your vehicle with any frequency and is not listed on the other parents policy then I would highly recommend adding them to your policy and pay the extra premium.

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Full coverage or not the answer is usually yes unless that person is specifically exclued by name from that policy. The person has to have permission or implied permission to be using the vehicle from the owner.

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As long as she has your permission, she can drive the vehicle and she will be covered. If she drives it more than a few times, you should add her to the policy.

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it covers anyone who drives your car with your permission...

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Auto Insurance covers the vehicle, not the driver. As long as you give permission for a legally licensed person to drive your car and they are properly using the vehicle (i.e.: not racing) your vehicle is covered.

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Yes, if she has not been previously excluded in writing. If she is going to be a regular operator of the vehicle then she needs to be listed as an operator on the policy. An automobile insurance policy coveres named insured, family and anyone who with PERMISSION drives the vehicle.

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That is between you and your friend and how much you want to remain friends with this person. This question might be better suited for Dr. Phil or Oprah.

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There is no such policy. All auto insurance contracts require disclosure and scheduling of all drivers for coverage.

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If someone without a valid drivers license and without car insurance drives a car that is covered by car insurance, does that insurance pay for that uninsured driver if they have a accident?

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I'm not sure I understand the question. If her boyfriend has insurance, then she is covered under his policy as long as she had permission to drive his car. As far as your liability if she has an accident, it all depends on the extent of the accident and if a law auit is filed for more than her boyfriend's policy limit. Then there could be potential to attack your insurance policy which names her as a driver.

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not generally.........insurance stays with the car...............in other words, unless you or ''other drivers'' are excluded from a vehicle policy, whomever drives that vehicle WITH PERMISSION is an ''insured driver'' of that vehicle.

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In most cases, as long as the policy owner give permission, then the policy will cover anyone who drives the car. There are exception for those who are specifically restricted by the policy to drive the vehicle.

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That will depend on the laws of the state you reside in. You can get detailed information at your state's department of Insurance - they probably have a web site. It will also depend on the language of your auto policy - read section regarding "Other Insurance".

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Your insurance rate will increase.

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