Reader’s Question:

If I let someone operate my vehicle who does not have car insurance but I have full coverage would that person be covered under my car insurance policy in Sparks, Nevada?

Aubrey

Sparks, NV

Car insurance policies differ, especially the exclusions area, so it would be up to the specifics of your auto insurance policy if a person you loan your vehicle to will be covered or not by your current insurance policy.

Generally, most insurance policies will extend your insurance coverages to those that you give permission to drive your car but if that person resides in your household then normally they would have to be on the insurance policy to be covered and if you loan your vehicle out to a friend for an extended period of time or an individual who operates your vehicle on a regular basis they may need to be added to the insurance policy as an occasional driver.

Some auto insurance policies got exclusions for other drivers. The exclusions may only permit the listed drivers to be covered or more likely exclude motorists under a certain age.

To know exactly what coverages from your insurance policy would extend to anyone you permit to drive your car, read over the terms of your insurance policy and talk with your insurance carrier’s agent in Sparks, Nevada. They should be able to tell you what coverages extend to others that operate your vehicle and what would happen if another driver driving your car was in an accident. If your insurance coverages extend to other drivers then insurance claims would normally come through your insurance policy for an accident and therefore your future car insurance rates could be affected.

Tags: auto insurance