Have you ever wondered if a family member can drive your car if only your name is on the insurance documents?
It’s a common question our insurance professionals in Dadeville are often asked. We provide the answer for local drivers below.
Family Members Driving a Vehicle With One Insured Party
Imagine your teenage son getting his driver’s license, hopping into your car, getting behind the wheel and striking a stationary or moving object after backing out of the driveway. In such an instance, there is a good chance car insurance will cover the accident.
Why?
Because insurance generally follows the Dadeville, AL car as opposed to the driver. This means the vehicle is typically insured, regardless of who is driving it.
Permissive Use
Permissive use is an insurance industry term used by Highpoint Insurance Group and others to refer to an instance in which one gives another who is not listed on his or her auto insurance policy permission to drive the vehicle.
If an accident then occurs, the insurer is likely to pay for injuries and damages, albeit up to the coverage limits. Moreover, if another driver is involved in the accident and has insurance, their car insurance might also pay out, depending on the nuances of the accident and the policy.
Highpoint Insurance Group is a Call Away
Serving Dadeville, AL and surrounding areas,our insurance professionals are ready and willing to help protect your vehicle and your finances. If you are interested in auto insurance, dial 256-234-7781 to speak with one of our friendly insurance agents.
