Life unfolds quickly, and sometimes that entails entrusting your car keys to a friend or family member. But what happens if they get into an accident while driving your vehicle? It’s a question we frequently address at The Isom Insurance Group, serving the Polk County, FL region, and it’s a crucial one to consider before you find yourself in a stressful predicament.
Who’s Covered—You or the Driver?
In most scenarios, auto insurance follows the car, not the person. That means if someone else is driving your vehicle with your permission and they get into an accident, your insurance typically comes into play first. This is known as permissive use, and it’s a standard part of many auto insurance policies. However, the specifics can vary depending on your particular coverage and the driver’s circumstances.
What If They Weren’t on Your Policy?
Even if the person isn’t listed on your policy, your insurer may still provide coverage, as long as they had your permission to drive. But if they live with you and regularly drive your car, they should be officially listed on your policy. If not, your claim could be denied, or you might face premium increases in the future.
Will It Impact Your Rates?
Unfortunately, the answer is yes. If a claim is made under your policy, it could lead to a rate increase, even if you weren’t the one behind the wheel. That’s why it’s important to think carefully before allowing someone to borrow your vehicle.
Suppose you have questions about your policy or want to ensure you’re adequately covered. In that case, The Isom Insurance Group, providing auto insurance to residents throughout the greater Polk County, FL area, is here to assist. Reach out today for a free, friendly auto insurance review!
