Vehicle insurance policies are written based on particulars provided by policyholders. And the assumption is that they are usually accurate and true. However, you may borrow your car to someone else occasionally. Although auto insurers know about the listed drivers they don’t know anything about occasional drivers. However, these occasional drivers may be ignored when calculating premiums since they don’t have regular access to insured vehicle.
How Does Auto Insurance for Occasional Drivers Work?
Generally, anyone who is driving your car with your permission is covered in your insurance policy. However, you may have agreed to limit the drivers to the ones listed in the policy documents in return for lower rates. Therefore, it is always recommended to check the exact position before assuming anything. So call up your agent and ask about the terms and conditions or check special conditions on your policy.
Your permission is very important for someone else to drive your car. If your car is taken without your knowledge or prior consent, your insurer will not cover those people. They will be liable for the damages they caused. If they have stolen your automobile they will have to face the legal consequences as well if they get caught.
Your company will not cover the driver if he/she is using your vehicle for commercial use. Anyone driving your car for personal use like going to shops or running a domestic errand would be acceptable when there is coverage. But they cannot carry machinery or any other equipment for business purpose.
Do I Need to Add Someone who Drives my Car Often on Insurance?
When somebody is driving your car frequently you will need to add that person in the listed drivers. Everybody drives the car in their own way and that is why some drivers are more prone to accidents and some less. Your car insurance company has insured you seeing your past driving results, credit history, etc. These can be quite different for another driver who is driving your car frequently. So, occasional use and frequent access is completely different things. For example, you should add girlfriend to insurance if she is driving your car often.
Drivers, if not owing any car, can opt for non-owners auto insurance. This type of insurance covers the driver regardless of what car he/she is driving. Suppose, somebody else (non-owner insured driver) is driving your automobile and he/she is involved in an accident. The first policy in line for the damages and liabilities would be your policy and then the driver’s policy.
Non-owner auto insurance policies are bought in case the driver of the automobile is personally sued by third parties for the damages they sustained. Also, this coverage will come to play when the vehicle owner’s liability policy is not enough. Such arrangements will only cover liabilities arising from driving cars belonging to others. Any other damages to the auto driven will be covered by the owner’s policy.
Even your coverage does not include other people driving your car you can arrange this cover temporarily. For example, your friends are coming over to stay with you for couple of weeks you can include them in your policy for that duration at a minimal additional premium. Actually, it would be better to tell the insurer about drivers such as the ones in the example regardless of arrangements in place.