Can A Licensed Driver Drive Any Insured Car

It sounds great especially if you have a few family members that need to use the vehicle. But it can be useful if your business is reliant on vehicles. This means that regardless of the driver an insured vehicle will cover the driver as long as the policy does not expressly exclude a non owner driver from coverage.

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Notice we say that this is in most cases.

Can a licensed driver drive any insured car. If a relative or friend gets into an accident while driving your car the policy will pay for personal injuries and property damages depending on the extent of damages and insurance limit. If someone borrows your car without your permission that driver might not be insured. Licensed drivers who don t own a car don t need insurance. Drivers need permission your car is usually covered by your insurance if the person who borrows it does so with your permission.

You can insure your drivers license in washington state instead of insuring your cars. Others extend coverage as long as that driver has his or her own car insurance policy. Any driver car insurance basically means that anyone can drive your car. It really depends on your insurance carrier.

This kind of policy is referred to as a broad form policy. For example if you were to borrow your friend s uninsured car you would be insured. For example if you were to drive your friend s car his car insurance would cover your use of the vehicle as long as you had permission to use it. It provides coverage for any vehicle owned or non owned that fits within the definitions of the policy.

No it is illegal for an insured driver to be driving an uninsured car because insurance is tied to the car and not the individual driver. That permission can be either written verbal or implied but it must exist. Some carriers want every licensed driver in your home either listed or excluded from the policy. If you drive someone else s car with their permission and cause an accident the car owner s insurance will cover it.

Well the simple answer is that in most cases yes your insurance will pay for any driver on your vehicle. This can be anyone that has your permission like family and friends. However this can be a headache for insurers as to them you re basically letting complete strangers drive your car. The broad form coverage would apply to things like rental cars if the non owned auto wasn t insured say your friend who loaned you his car didn t have insurance and like i said as secondary coverage in the event the insurance on the car you.

If the party has their own insurance policy that should be known by your insurer. Anyone driving your vehicle on a regular basis that is not insured on another policy as a general rule everyone in your household that is licensed should be a listed driver or at the very least be known to your insurer. Also if you frequently rent or borrow cars you may want to consider buying non owners insurance to increase the amount of protection you have. There are always exceptions to the rule and it is up to you to determine whether or not your policy allows you to have other drivers drive your vehicle who are not listed on your insurance policy.

Driving a car without insurance can result in serious.