by anglel » Sun May 08, 2011 11:44 am
When you purchase auto insurance, you are buying it to cover the car, not the person who is driving it. If the car is involved in an accident, you are covered. If you are injured in that car, you are covered. If someone is injured by that car, there is coverage.
When you purchase an auto insurance policy, the application always requests information on all the individuals who will be driving the car before they give you their rate. If there is a member of your household who is not a listed driver, and he or she drives the car and has an accident, the insurer may deny coverage. Teens are notoriously risky drivers and drive the rates up until they turn the ripe old age of 21, for many insurers.
Strangely, if you lend your covered vehicle to someone else outside your household, there will be coverage if that driver has an accident, even though he or she is not listed as a driver on your policy. Even if that person has his own insurance on his own car, your car insurance will cover the damages resulting from the accident. Why? Because the insurance follows the car not the driver.
When you purchase an auto insurance policy, the application always requests information on all the individuals who will be driving the car before they give you their rate. If there is a member of your household who is not a listed driver, and he or she drives the car and has an accident, the insurer may deny coverage. Teens are notoriously risky drivers and drive the rates up until they turn the ripe old age of 21, for many insurers.
Strangely, if you lend your covered vehicle to someone else outside your household, there will be coverage if that driver has an accident, even though he or she is not listed as a driver on your policy. Even if that person has his own insurance on his own car, your car insurance will cover the damages resulting from the accident. Why? Because the insurance follows the car not the driver.
Posted: Sun May 08, 2011 11:55 am Post Subject:
When you purchase auto insurance, you are buying it to cover the car, not the person who is driving it.
If the car is involved in an accident, you are covered. If you are injured in that car, you are covered. If someone is injured by that car, there is coverage.
If there is a member of your household who is not a listed driver, and he or she drives the car and has an accident, the insurer may deny coverage.
Strangely, if you lend your covered vehicle to someone else outside your household, there will be coverage if that driver has an accident, even though he or she is not listed as a driver on your policy.
Your statements are confusing
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