Can I Keep My Adult Son On My Auto Insurance

If My Adult Child Borrows My Motorcar, Is He Covered by My Insurance?

Posted on May 10, 2022

If your adult kid, or anyone else for that matter, drives your car, the driver is covered by your automobile insurance policy. The reason is that car insurance follows the car, not the motorist.

This fact has ramifications for y'all as the owner of the insured car. Hither is a expect at several things you need to consider when you lot lend your machine.

Who Is Covered By Your Car Insurance Policy?

Since insurance follows the machine, most drivers whom y'all lend the motorcar to are covered. In your policy'southward charabanc clause, information technology states that any commuter who is a family member living in the same house, including children abroad at school, are covered as long every bit you give them permission to utilize your car.

In some instances, if a company who has your permission to utilise your car is involved in an blow, your insurance company volition cover them but only to a express extent. The insurance visitor may also request that you put the drive on your excluded driver list.

Who Isn't Covered By Your Auto Insurance Policy?

The "excluded driver" is not covered. This is someone that you lot explicitly note is not covered by your policy. You tin can decide that a family fellow member who isn't a good driver is not someone you want using your machine.

In some cases, the insurer may request that y'all refuse driving privileges to someone in your household with a history of DUIs or accidents. Using the excluded driver provision can save y'all money on your rates.

You and Your Neighbor

Another type of situation is if you occasionally borrow your neighbor's car to get to work or do a chore. Whether or not yous are covered by his insurance depends on how much you utilize his car and the reason for driving it. The specifics vary from state to state.

If you employ the motorcar one time every month or two, you are near probable covered. If you use the car for one or ii days, you are probably covered. Notwithstanding, if you use it for a number of weeks at a fourth dimension, you are probably non covered. The style effectually this is accept your name added to his policy.

It too matters why y'all are using the automobile. If you lot are using it on the job, and so his insurance must be commercial machine or business insurance. As a rule, personal automobile insurance doesn't embrace you if y'all are driving for work related activities, whether it is delivering groceries or hauling roofing materials.

A Driver Without Permission

If a person takes your automobile without letting y'all know and without your permission, you are non liable if he gets into an blow. You volition need to use your insurance to pay for damages on your automobile, but you will not be charged for impairment to another car if he crashes into it.

If y'all have a friend who borrows your car but doesn't tell y'all get-go, his insurance will become the principal coverage and yours will be considered secondary. So you are covered.

Only if you have a friend who takes off in your machine without your permission and it turns out he doesn't have insurance, then your insurance volition be used to handle the costs of whatever accidents that happen.

Be Safe

Before lending your automobile to anyone:

Empathise who your policy covers and under what circumstances you are covered
Make sure that your car registration and insurance information is in a secure place in your car
Check that each commuter of your car has a valid license
Ask if your friend has insurance

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Information technology makes sense to understand your auto insurance policy before an accident happens.