If I let someone drive my NJ car does my auto insurance cover them?
UPDATED: Jun 2, 2017
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Asked June 2, 2017
If you let someone drive your car, it is up to the insurance company if they are covered. If your plan design covers an individual not listed as a primary driver, they will be covered. In other cases, the person will not be covered by your insurance company if there is a accident that occurs.
The best way to be sure if the person using your vehicle is covered is if you contact your insurance company. The representative will give you a detailed explanation to you plan design and inform you what the best course of action is to take for the safety of everyone involved. If you know the person will be using your vehicle for a short period of time, it is best to put that individual on your insurance temporarily. This will ensure the party has fully covered under your insurance policy and you will not have to worry about any medical bills or vehicle repair costs if an accident occurs.
Answered June 5, 2017 by pbanion