Are Non-Family Drivers Covered by Your Auto Insurance?

Your auto insurance policy automatically covers relatives that are part of your household. But what about friends who are visiting for the holidays? If your college buddy had an accident while driving your vehicle, would he be protected by your auto coverage? Many people are confused about who is and isn’t covered under their auto insurance policy. The following guidelines by Pete Webb Agency in Fredericksburg, VA can help clarify how auto insurance works when it comes to guest drivers.

Family Members

Live-in and visiting family members who have permission to drive your car are covered under your auto insurance policy. In the event of an accident, they will be protected by your coverage. Before loaning your vehicle to a family member, make sure he or she has a valid driver’s license.

Non-Family Members

Your auto insurance also protects Non-family members (friends, colleagues, etc.) who borrow your car if they have permission to use your auto.  If you’re planning a road trip and want to share driving responsibilities with a college buddy, you can have full confidence that your policy will cover him or her. By being selective in who you allow to drive your vehicle, you can reduce the risk of accidents. Some people are safer drivers than others – stick to those with good driving records to protect your auto. You should also make sure all friends driving your vehicle have valid driver’s licenses.

Review Your Auto Insurance Coverage

Before loaning your vehicle to a friend or relative, review your auto insurance policy to refresh your memory about coverage. Sometimes guest drivers have less coverage than drivers in your household. When in doubt, ask your agent to clarify this matter.

To learn more about auto insurance coverage and costs, contact Pete Webb Agency in Fredericksburg, VA.