When getting quotes you answer a few personal questions about yourself as well as other drivers living with you or listed on the schedule (even though they may not be living with you) because they are influential over premiums. However, it is difficult to predict who else might want/need to use your car on the off chance. Let’s have a look at who is insured and what is acceptable, problematic or unclear.
Car Insurance for Occasional Drivers
Usually, standard policies provide coverage for occasional users, who are not listed on or not living with you. If someone becomes a regular user of the auto you should discuss adding such person. Remember that you can add someone who doesn’t live with you.
However, you need to keep in mind that they often deviate from standard. Furthermore, state regulations, view of the provider and provisions afforded affect the final terms and conditions. There can be exclusions and exceptions too. So you should always make sure that you include the things you think important, even if you need to get a special endorsement on the schedule.
Often companies add restrictive conditions to reduce risk exposure and be able to offer cheaper packages. For example, you may be able to insure a sports car with one of the high risk companies but they may include a special condition that only people over the age of 25 are allowed. You may be permitted to exclude a high risk motorist in the household as well, depending on where you live and the carrier. Choosing this route can save you money but then you should make sure that they never takes the keys.
In addition, there are cheaper plans that only allow people listed in the schedule. Named driver policies are designed to reduce premium by limiting access to those only. Anyone who is not named cannot operate the vehicle. They are sold by few companies and allowed in some states.
Does Insurance Follow the Car or Driver?
In general, standard coverage follows the car. Collision and Comprehensive always remain with the car since they are for its protection. So, if a friend borrows the car and causes damages to it and other people’s property your Collision covers the automobile and Liability covers other people’s injuries because vehicle owner’s policy is usually the primary. In other words, you are liable for accidents others cause with your car. However, terms and state laws can vary and specifics of a claim can influence who must pay for the damages. So, you should always check to find answers to can someone else operate my car?
Liability auto insurance can follow the driver riding someone else’s car or a rental. Definition of “insured vehicle” in that case could extend to a friend’s, neighbor’s or a rental vehicle as long as those are operated on occasional basis. Even then, owner’s policy would generally be the primary to pay for third party claims. However, it may not cover a vehicle that is available to you on a regular basis like your partner’s auto. In such cases, you probably need to be included in them. There may be other exclusions. For example, most exclude commercial or leased autos for everyday use.
The answer to does automobile insurance include other drivers is yes, under normal circumstances with a standard policy. Nevertheless, the carrier or you can exclude some in exchange for a cheaper premium. You should always check special clauses. Finally, if you have already agreed to special terms and excluded some people you should make sure that you meet these conditions. Otherwise, you can face serious troubles as claims can be denied when they cause an accident with the auto.