Is someone else covered under my car insurance to drive MY car?
Find answers to your legal question.
Is someone else covered under my car insurance to drive MY car?
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A guy I'm dating will ask to use my car from time to time because he has trouble with his, but I'm hesitant because even though he has his own car and own car insurance, I don't think he's covered under my insurance to drive MY car. Does anyone know exactly how this works???
I have Nationwide, if that makes a difference............
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entidtil
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In the USA, Normally if someone with a valid license drives an insured car with the owners permission, they will be covered. There are rare exceptions so you should check with your insurance company. But.... his own insurance would be secondary if yours doesn't cover him |
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sydkan
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It's called permissive use. As long as he had permission you'll be fine.
Even if he didn't then his would kick in on an excess basis.
Either way you're covered. |
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David W
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As long as he has your permission to drive, he's covered. Insurance follows the car, not the driver. But remember--lend the car, lend the insurance; be sure he's someone you want under your policy. |
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The original Peter G
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If your documentation says " Any driver with the permission of the policyholder" or similar then he's ok. Otherwise he will be using the " any vehicle" extension (If he's got it, not everybody has these days) of his own policy. This will cover him third party only. If in doubt don't let him use it as you will be held responsible for allowing it and could get a fine and points as well as him if it goes wrong, and have to pay all the costs of a claim (both sides) yourselves |
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Kizzy
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Normally if he has permissive use, yes your coverage will apply. Check with your carrier and make sure you have no exclusions on non resident additional drivers. |
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car253
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It is permissive use. Make sure you have it on your auto insurance policy. |
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sassy2
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Only if he is over 25 |
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