Getting a new car is an interesting experience; there are so many important things that you can almost take for granted as a result of the fine feeling. It would be sad if your car insurance were one of them as this is one aspect you should always get right. As a driver, you should endeavor to know exactly what your insurance package covers. Motor vehicle insurance, like the cars they cover, comes in different forms. In all instances though, these packages cover both the car and the driver. There are situations however where the coverage can be compromised.
It is important to know exactly when you and the car are covered and when situations may be different. With regard to car and driver coverage, there are three possible driver categories: vehicle owner and immediate family members listed on the policy, permissive permitted drivers, and non-permitted drivers.
Vehicle Owner and Endorsed Family Members
Technically, your car insurance follows the car. This means that as a matter of priority, your policy covers the car first. Such an insurance package takes care of situations that result from you having an auto accident. If you and any passengers you might have had in your car are injured in the accident, then all are covered as well. The technicality of the insurance coverage following the driver might be true when in reference to your car. It however has to be verified in a situation where you are driving another person’s car. Family members driving your car are covered as well if they are listed on the insurance policy. Premiums you pay are mostly dependent on your driving record as well the driving credentials of family members listed on the policy.
Your auto insurance can also cover drivers who aren’t members of your family, and as such, not listed on the policy. Such drivers however need to have your permission to drive your car. This characteristic of the insurance policy follows the clause that your car insurance follows the car and the driver. Individuals who have permission to drive your car but are not members of your family are called permissive drivers. Such drivers are normally covered to the limit of your coverage. They also have the opportunity of invoking their coverage to stretch to any limits your policy may not cover. Be careful when lending your car; make sure you only lend to insured drivers.
Damages to your car resulting from the actions of an individual without permission to drive the car are never covered by your insurance policy. If a thief steals your car, for instance, and gets into an accident, the damages will not be covered by the policy. You however can use the car’s collision cover to institute repairs.
There are several exclusions to these general principles. Ensure you get specifications from your insurance service provider. Situations that may call for exclusions when granting a policy may include drivers over the age of 75, an excessive number of passenger, as well as business-related driving.