Frequent question: Does a driver need insurance or just the car?

Generally, car insurance follows the car. That means if someone borrows your car and is at fault for an accident, your policy’s liability coverage will cover them. There are instances when car insurance follows the driver, like when you rent a car.

Does the car need to be insured or the driver?

Contrary to popular belief, car insurance typically follows the car — not the driver. If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy.

Can you drive someone else’s car without insurance?

It’s illegal to drive without insurance…

All things considered, it’s best not to jump into a friend’s car and assume you can legally drive it, even with their permission.

What happens if someone else is driving my car and gets in an accident without insurance?

Driving without insurance is against the law. … The car owner may even be charged for allowing their car to be used by an uninsured driver. If you’ve caused damage to another vehicle or property, the other driver may take legal action to recover damages from you.

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Can someone drive my car if they are not on my insurance progressive?

Progressive insurance will cover someone else driving your car in most cases, but it can depend on coverage types and limits. … It’s possible your Progressive car insurance offers less or no coverage for drivers not listed on your policy. A claim won’t be covered if the person should have been listed, for instance.

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 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.

Who pays if uninsured driver hits?

If you cause an accident and you have a comprehensive Car Insurance policy, the cost of repairing both your car and the uninsured driver’s car is covered. If you only have third-party insurance, you’ll have to pay for any repairs to your own car yourself, but the uninsured driver’s car will still be covered.

What happens when police seize your car for no insurance?

The penalty for the offence of driving a vehicle without insurance is a fixed penalty of £300 and 6 penalty points or, if the case goes to court, you could get an unlimited fine and be disqualified from driving.

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Should you let a friend borrow your car?

People who often borrow your car might not be covered — because a regular driver of your car should be listed on your policy. It’s best to add frequent borrowers to your policy, such as roommates, to make sure your insurance will pay for accidents. Adding drivers can affect your rate.

Do you need to exclude anyone from coverage?

If you don’t exclude them from your policy, you’ll likely see a significant increase in your car insurance costs. In another example, you have somebody in your household who is very young or old or insured under someone else’s policy but won’t be driving your vehicle.

Can I let someone else drive my car progressive?

As long as you gave them permission to drive your car, then they should be covered. Their policy extends to your car and covers them the same way as if they were driving their own car. Damages they cause to others’ cars, property, or even injuries are covered.