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Who is covered under your insurance policy Will your insurance cover your niece to drive your car?

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2010-03-02 01:16:54
2010-03-02 01:16:54

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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It is illegal to drive a car that is not insured for at least third party cover (i.e. if you hit someone then they - but not you - will get paid out). Therefore if the car is not covered on an insurance policy that YOU have then to drive it you would need to be covered on someone else's insurance. Some people hold insurance policies that allow anyone (with permission from the owner) with a valid license to drive the car and in this case you would b covered on this policy - many company cars have this sort of policy. It is you DUTY to make sure that you/the car has as covering policy before you drive it and that you can PRODUCE this policy for the police should they require you to do so.

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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.

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As long as your son was on the policy or had permission from the owner of the vehicle to drive it, he should be covered.

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What are you asking? I do, yes. That's only because I have a motorcycle policy for my motorcycle. You are not covered from an auto policy to drive a motorcycle.

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All drivers are required by law to carry proof of Financial Responsibility. So if you are an insured driver under the terms of the Auto Insurance Contract then you are covered to drive it. If you are not an insured under the terms of that policy then you are not covered. Remember, Vehicles do not drive themselves and vehicles do not carry insurance, People do. Auto Insurance Is to cover the losses and legal liabilities of the Insured.

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Your husband must be on your policy to be covered. In some States you have to ad your spouse to the policy regardless if they will drive your vehicle or not.

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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.

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If you own a car and buy insurance to cover it, you are covered although the insurance is on the car. You can allow other people to drive the car and they will then be covered even if they don't have insurance.

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No, in the state of Mass where i am from, the insurance is covered for your car only. It will not follow you if you choose to drive another vehicle. You may want to check the state your are in if this is different, as they may have a different type of policy you can purchase that will cover you. With my experience, the only insurance you have is your health insurance if you are driving another persons vehicle.

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A named non-owner policy. Or a dealers blanket policy (what car dealers use)

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Yes, they would be covered as long as they only drive occasionally. If they drive more than 12 times out of the year, they would need to be rated on your policy in order for them to be covered.

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Check with your specific insurance company but in general, no. If a licensed driver has permission to drive the car then the insuring company covers that driver. If your company has a specific policy against that, you need to know that. Many years ago, one company had a policy that identified a roommate as part of the driver's household and wouldn't cover that driver. It is the policy that will tell you, or ask your insurance guy.

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No. Auto insurance is just that ... an insurance policy for the automobile, and those who ride in it or drive it. If you have the full permission to drive someone else's car, and they have the proper auto insurance in full effect, then you are covered under their policy. If you are going to be driving their vehicle most of the time, then they need to add your name to the policy.

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This all depends on your insurance. your insurance policy may cover anyone that drives your car and that would mean then yes he can drive it. But you better check with your insurance company.

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Yes, at least in Mass the insurance coverage goes with the driver and not with the car. However, if you and daughter live together, you must both be on the policy to be covered in the car that has the insurance policy.


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