Whether a friend or family member’s car is in the shop, they are visiting you from out of state, or their car is inaccessible, sometimes they may not have use of a vehicle. When that happens, they may ask if they can borrow your car. This begs the question of whether or not they are covered under your insurance should they find themselves involved in an accident. Does your car insurance protect the vehicle or only you?
While every insurance policy is different, generally your policy follows you or your car. There are a variety of factors taken into account regarding how much you are covered. Two such factors are the names that are listed on your policy and whether you granted permission to the person driving your vehicle to do so.
Usually, your policy will cover other drivers who are driving your vehicle so long as they are listed on your policy. If the individual who drove your vehicle is not listed on your policy, whether your insurance will cover them hinges on if you gave them permission to drive your vehicle. This could include the action of handing them your keys or of verbally consenting. If you consented to them driving your vehicle, they will usually be covered.
However, there are certain situations in which the individual will not be covered by your policy – even with consent. These include:
- Receiving money from someone for the use of your vehicle;
- Those individuals who are explicitly listed on your policy as not covered
It’s also important to note that the entirety of your coverage may not apply to someone who borrows your vehicle. For instance, your liability coverage will usually apply to the vehicle, but your collision insurance coverage and your comprehensive insurance coverage may not. That’s why it’s important to fully understand your policy.
It’s really important that if you plan on letting someone borrow your vehicle on occasion or frequently that you add them to your policy. This way they are covered in the event of an accident. Another helpful tip is to inquire about supplemental insurance if you plan to rent out your vehicle. This can help to protect your investment in your vehicle should an accident occur.
The Attorneys at Ceja Law Firm Help Those in Houston Who Have Been Injured in a Car Accident
If you or a loved one has been injured in a car accident due to the recklessness or negligence of another, it’s vital that you understand to what you are entitled under the law. With this information under your belt, you can make the important decisions regarding how you want to move forward. That’s why it’s in your best interest to consult with a knowledgeable and experienced Texas personal injury attorney.
At Ceja Law Firm PLLC, we understand the impact that an accident can have on many parts of your life and the importance of properly dealing with such negligence or recklessness. That’s why we will work to get you the compensation that you deserve. To learn more or to schedule a free consultation, contact us today!