It is important for car owners to understand their insurance policy before lending their car to a friend or family member. What would the consequence be if the person who borrowed your car were in an accident or collision? This is a common question amongst car owners.
Car insurance follows the vehicle, not the driver. However, there are a number of nuanced circumstances within insurance policies that car owners should familiarize themselves with to ensure they have an accurate and safe understanding of their coverage.
Who is covered? Generally, insurance policies encompass members of a household. In addition, policies will cover person’s who have been given permissive use of the vehicle. Car owners can also add an individual to their insurance plan if they predict that person will be driving their car frequently.
Who is not covered? Car owners can opt to exclude specific individuals from their insurance policy. Correspondingly, car owners can testify that a person did not have permission to operate their vehicle—although this is known to be difficult to prove.
Are there exceptions? Car owners have the potential to be liable for damages if the person that borrowed their car was intoxicated or unlicensed.
Although insurance coverage aligns with the car and not the driver, the person driving the car at the time of the accident could be a secondary provider—i.e., their insurance policy could absorb extra costs that fall outside of the primary provider’s policy.
The personnel at Mercer Auto Body provide customer support and expertise regarding insurance coverage and will help you navigate your insurance claim from start to finish. Mercer is the preferred vendor for a wide selection of providers. At Mercer, we provide free insurance claims estimates and advocate for our customers to ensure prompt and thorough auto body repairs.
Mercer Auto Body services customers in Kennett Square, Avondale, West Grove, Landenberg, Toughkenamon, Hockessin DE, Chadds Ford, Unionville, and Concordville.