Can I Add My Car To My Parents Insurance

If My Adult Child Borrows My Motorcar, Is He Covered by My Insurance?

Posted on May 10, 2015

If your adult kid, or anyone else for that affair, drives your auto, the driver is covered past your motorcar insurance policy. The reason is that car insurance follows the motorcar, not the motorist.

This fact has ramifications for you as the owner of the insured machine. Hither is a wait at several things y'all need to consider when yous lend your car.

Who Is Covered Past Your Machine Insurance Policy?

Since insurance follows the car, nigh drivers whom you lend the car to are covered. In your policy's omnibus clause, it states that whatever driver who is a family unit member living in the aforementioned firm, including children away at schoolhouse, are covered equally long as you requite them permission to use your car.

In some instances, if a visitor who has your permission to use your auto is involved in an accident, your insurance company will cover them but simply to a limited extent. The insurance visitor may also request that you lot put the drive on your excluded driver list.

Who Isn't Covered By Your Auto Insurance Policy?

The "excluded driver" is not covered. This is someone that you explicitly note is not covered by your policy. You tin decide that a family member who isn't a good driver is not someone you want using your car.

In some cases, the insurer may request that you turn down driving privileges to someone in your household with a history of DUIs or accidents. Using the excluded driver provision can save you money on your rates.

Y'all and Your Neighbor

Some other type of situation is if you occasionally infringe your neighbor's car to become to work or do a job. Whether or not you are covered by his insurance depends on how much you lot use his car and the reason for driving it. The specifics vary from country to country.

If you utilize the car in one case every month or two, y'all are almost likely covered. If yous use the car for one or two days, y'all are probably covered. However, if you use it for a number of weeks at a time, yous are probably not covered. The manner around this is take your proper name added to his policy.

It also matters why y'all are using the motorcar. If you are using it on the task, then his insurance must be commercial machine or business concern insurance. Every bit a dominion, personal auto insurance doesn't comprehend yous if you are driving for work related activities, whether it is delivering groceries or hauling covering materials.

A Driver Without Permission

If a person takes your car without letting you lot know and without your permission, you lot are not liable if he gets into an accident. Y'all will need to use your insurance to pay for amercement on your car, but yous will non be charged for damage to another car if he crashes into it.

If yous have a friend who borrows your car but doesn't tell you first, his insurance will become the primary coverage and yours will exist considered secondary. Then you are covered.

But if you lot have a friend who takes off in your car without your permission and it turns out he doesn't accept insurance, so your insurance volition be used to handle the costs of any accidents that happen.

Be Safe

Earlier lending your auto to anyone:

Understand who your policy covers and under what circumstances y'all are covered
Brand sure that your car registration and insurance information is in a secure place in your motorcar
Check that each commuter of your car has a valid license
Ask if your friend has insurance

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It makes sense to understand your machine insurance policy earlier an accident happens.

Call us here at Otterstedt Insurance Agency at 888-866-4616 to acquire more nearly the terms, weather condition, inclusions, and exclusions of auto insurance policies.

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