Who’s Covered Under My Car Insurance Policy?

Understand your auto insurance coverage and listed drivers.

‘Who is covered under my car insurance policy?’ We get this question a lot, and it’s usually a question that comes after an accident. It’s important to understand who is covered before an auto accident ever occurs. If you’re tempted to loan your vehicle to your out-of-state aunt for her visit or your roommate who needs to pop to the grocery store, always be sure that you have the right coverage first.

Generally speaking, the first named insured on the auto policy, their spouse, relatives residing in the home (at the same address), and unmarried children attending full-time school would be considered under a personal auto insurance policy. However, each company looks at drivers differently, and it is vital to understand how your insurance company defines covered drivers on your coverage.

The best way to know if a driver is covered under your auto policy is to call your agent and add that driver to your car insurance policy. In this way, you’ll be sure that should a loss occur with a specific driver behind the wheel of a covered vehicle, coverage will be able to help – up to the limits you selected.

However, there are some instances where an unlisted driver may be covered while operating an insured vehicle on your policy. For example, if your visiting friend needed to use the vehicle, he or she could be covered with ‘permissive use,’ meaning that you gave your consent for them to use your car. As long as their usage isn’t ‘regular and customary,’ then coverage may apply. In this case, it would be just the one drive. If your friend wanted to use your vehicle for a month or four times a month, adding him or her to the policy should be considered.

It’s important to bear in mind that your insurance covers bodily injury and property damage arising out of the use of the vehicle. With this in mind, it’s wise to regularly check that you have the right liability limits to suit your needs and budget.

Auto insurance coverage can help to keep your journey a safe one. Contact us at Sausman Insurance Agency for tailored insurance policies in Mifflintown, Millersburg, and Lewistown, Pennsylvania that can see you through the winter and beyond.