Car Insured But Not Driver

Under a personal auto policy who is insured tends to include the named insured their spouse family members living in the same house and any driver with permission to drive the insured vehicle s. As we mentioned above car insurance generally follows the car but insurance is never black and white. Any car utility vehicle see below or other vehicle with which the named insured replaces the original named vehicle and any additional vehicle the named insured owns during the policy period is also covered.

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If liability insurance does not follow the driver that suggests that one can never skip the liability coverage offered by rental car companies.

Car insured but not driver. But note that the section of who is an insured says nothing about listed drivers also being covered. However claims will not be paid out in their name even if they were the driver at the time of the accident. Driving a car without insurance can result in serious. When a driver borrows a car and causes an accident the car s owner s auto insurance is the primary insurance but if the driver has their own insurance that will serve as the secondary insurance.

Articles auto insurance information. You should know whether any drivers are excluded from your policy. However it seems the generally accepted wisdom is. As said before the car will likely be insured but the driver may not.

The one time you can be certain you don t have coverage is when an excluded driver drives your car. Additional or authorized drivers on a car insurance policy are those who live in the same household as the named insured and drive the vehicle on 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. There are some cases when certain types of coverage do follow the driver.

An accident in a vehicle not named in the declaration is covered only if a named insured see above was driving. It depends on policy terms and auto coverage. The driver s insurance would act as secondary or excess insurance. This means that if you loan out your car to driver who is not excluded on your policy see when could you be held liable below your car insurance is the primary coverage that would apply if a crash occurred.

In most cases if the driver has permission insurance will cover a driver from any state but that is not always the case. It s a common misconception that car insurance follows the driver. A driver is excluded when the insured person signs documentation stating they understand the driver will be excluded from coverage on a particular car insurance policy. In reality car insurance follows the vehicle.

If you want all drivers to be covered ask your auto insurance company and get the specific policy you want. If the insured has medpay.