Who’s Covered by Your Auto Insurance Policy?

Like many people, you may loan out your vehicle from time to time to visit relatives or close friends. Before trusting others with your car, however, take time to review your auto insurance to ensure they’re protected by your coverage. You don’t want to be held responsible for damages if your relative or friend has an accident while driving your vehicle. In general, here’s how auto insurance from CO Insurance Specialist works to protect others who drive your vehicle.

Visiting Relatives

Visiting relatives are covered under your auto policy when occasionally driving your vehicle as long as they have a valid driver’s license and you’ve given them permission to drive your car. It’s important to be selective, however, in who you allow to drive your car. By sticking to safe drivers, there’s less chance of someone having an accident. You may also want to restrict their driving to safe areas in Wheat Ridge, CO to reduce the risk of accidents, theft, or vandalism.

Friends

Friends are also protected by your auto insurance as long as they have a valid driver’s license and permission to drive your car. It’s important to note that auto insurance follows the vehicle, not the driver. If your friend causes an accident while driving your vehicle, your insurance will pay for damages, which may affect your insurance costs. That’s why it’s important to be selective in who you allow to drive your car. 

Members of Your Household

All members of your household who have a valid driver’s license are protected by your auto insurance policy as long as they have permission to drive your vehicle. We recommend they be listed on your policy to receive the full benefits of your coverage. 

To learn more about auto insurance options and costs in Wheat Ridge, CO, call or visit CO Insurance Specialist today.