Best answer: Is my car insured if someone else drives it?

Usually, yes — your car insurance coverage should extend to anyone else driving your car. … So if you lend your car to your best friend, your sister or even your second cousin, your insurance is most often the insurance that will pay in the event of an accident.

Can someone drive my car if its not insured?

It’s important to understand that you can only drive a car if you have insurance. If you don’t have your own insurance policy (either on your own car including DOC cover, as a named driver on the car owner’s policy, or standalone temporary cover), you will not be legally covered to drive.

What happens if someone else is driving my car and gets in an accident?

If someone else is driving your car and another person causes the accident, the at-fault driver’s insurance is usually responsible for covering costs. On the other hand, if the driver of your car is at fault, your car insurance will usually cover damages.

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Do you need insurance to drive someone else’s car?

You do not need your own car insurance policy to drive someone else’s car every once in a while. However, if you frequently drive someone else’s car, you might want to consider getting non-owner car insurance.

Can I drive my girlfriends car?

Some drivers will be covered under your policy as long as you have given them permission to drive your car. This is considered “permissive use.” These drivers may include immediate or extended family, friends, or even a boyfriend or girlfriend who doesn’t live with you.

Can I let someone drive my car in Michigan?

If you are letting an unsafe person operate your car and he or she seriously injures or kills someone, you can and will be sued. Michigan’s No-Fault law requires all motor vehicles to carry “residual liability insurance” which covers liability for personal injury, death or property damage resulting from a car accident.

What happens if someone else is driving my car and gets in an accident in Florida?

If you have an accident while driving someone else’s car, Florida laws say that you should have coverage under the vehicle owner’s insurance. … A vehicle owner could face liability for damages when their vehicle is involved in a collision that leads to another driver’s injuries, even if you were driving.

What happens if someone else is driving my car and gets in an accident Ontario?

What happens if the person borrowing my car gets into an accident? In most cases, if you give permission to someone else to drive your car and they are involved in an accident, your insurance will likely cover the costs. … They will be asked to show proof of your auto insurance.

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Does a named driver need their own insurance?

No. Being listed as a named driver on someone else’s policy does not affect your own car insurance if you are involved in a road traffic accident. If you were to have a car accident while driving another person’s car as a named driver, you would need to claim on the main driver’s insurance policy.

Can someone else be the main driver on my car?

Car insurance fronting – where someone declares themselves as the main driver of a car even though it will be someone else – is illegal.

Can I drive someone else’s car fully comp?

Having fully comp insurance on your own vehicle doesn’t mean that you’re fully comp on someone else’s. … This means that if you’re involved in a collision, the policy will pay for the damages made to the other vehicle involved, but you will need to pay to have the vehicle you were driving fixed.

Can I drive my girlfriends car if I’m not on her insurance?

Some insurance companies have a permissive use clause. This means that if your boyfriend or girlfriend drives your vehicle for less than ten times a year, and if you have given them permission to drive your vehicle, they may already be covered without you having to add them to your policy.

Can my girlfriend drive my car if she’s not on my insurance?

Usually, yes — your car insurance coverage should extend to anyone else driving your car. … This means even if your friend, sister or cousin have the best coverage possible, it would usually be your auto insurance that’d be covering the damages if they were at-fault in an accident while driving your vehicle.

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Will my car insurance cover my girlfriend?

Generally, if you and your significant other live at the same address, your car insurance company will consider them a member of your household and request that you add your boyfriend or girlfriend to your car insurance policy.