If the driver uses your car frequently or lives in your home, your insurer may determine that they should have added it to your policy as a driver. In that case, it may be reason enough for your insurance company to deny your claim. Find cheap auto insurance quotes in your area. Because you probably don't drive very often, the thought of not taking out an auto insurance policy may have crossed your mind.
As mentioned, most insurers require that all licensed drivers in a household be listed on an auto insurance policy. Most of the time, the law will accept that you have even the slightest car insurance policy for non-owners until your license is reinstated. For example, if you borrow a friend's car to buy food and you have an accident with another vehicle, your friend can file a claim with their insurance company to cover the damage. Car rental companies sell liability insurance, but it may be cheaper to take out a car insurance policy for people who are not the landlord's if you rent cars frequently.
It can be explicit permission, such as when a friend asks you to lend her the car and you say, “Sure,” or the tacit permission that your adolescent has to use the family car whenever he needs it, without asking for it every time. Your car insurance generally doesn't cover a non-permissive driver in the event of an accident; instead, you'll use non-permissive driver's insurance to cover any damage or injury they cause. You are a driver excluded from your policy. If you are specifically excluded from someone's car insurance policy and you borrow their car, their car insurance won't cover you, and they could also increase the car owner's rates for breaking a rule in their policy.
All drivers can lower their auto insurance rates by reducing additional types of insurance, such as accident coverage and comprehensive coverage. If the person driving your car is involved in an accident that it didn't cause, the other driver's insurance is usually used to cover the costs of damage and injuries. You can find out what savings you might qualify for by getting free quotes on several insurance options or by talking to a local insurance agent. Car repairs and medical bills aren't the only potential costs you face when someone driving your car gets into an accident.
If you don't have insurance and get into a car accident while driving someone else's car, you'll be covered by the owner's car insurance policy, up to the limit of your policy. That said, accidents and claims can affect car insurance premiums, so you could be costing your friend money, which is probably why some people are hesitant to allow other people to drive their cars. If the costs of the accident exceed the limits of your insurance coverage, your insurer can ask the other driver's insurance to cover the remaining expenses.
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