Q: I have family members and friends who sometimes drive my car. Are they covered by my insurance? Do I need to add them to my policy?
Jeremy Schlueter is a Farmers Insurance® agent in Brecksville, Ohio. He explains when it’s a good idea to add drivers to your policy.
A: This question comes up a lot with customers. If someone you know borrows your car with your permission once in a while, your auto policy should provide coverage in the event of an accident — subject, of course, to the policy’s terms, conditions and exclusions. There’s usually no need to add an occasional user of your vehicle to your policy. Occasional borrowing doesn’t rise to the level of regular use if the borrower doesn’t live with you.
But anyone who drives your car on a regular basis must be added to your policy since your premium is based on the risk of loss from you and the regular users of your car. That’s why your policy contract requires you disclose all regular users of your vehicle. If you don’t, your policy won’t cover you or the driver in the event of an accident — your insurance company might even void your policy for misrepresentation.
Who is a regular user of your vehicle? This might be a relative who run errands for you or a babysitter who picks up your kids from school. If they use your car regularly, put them on your policy. It doesn’t matter if they already have their own insurance. Drivers can be named on multiple policies, even with different companies. The same goes for adult children who move back home for a period of time. They probably have their own insurance, but you can still add them to yours. All it takes is a quick call to your agent.
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