Is there coverage if an insured person drives an uninsured person’s car?
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Asked March 8, 2011
The key to this question is the vehicle, not the person. Car insurance is about insuring the vehicle, not specific individuals. The reason that the drivers of the vehicle must be named on the policy is so that the insurance company is able to apply the correct set of demographic rules, not because the individual is purchasing personal insurance. If a car is insured, everyone in the car is covered, not just people who are named on the policy.
In a vast majority of situations, the insured person driving an uninsured person's vehicle will not be covered in an accident. For those situations that are exceptions to this rule, it is important that the insured person contact their insurance company to get approval before operating the other person's vehicle. Insurance companies understand that circumstances may force you to use another vehicle from time to time and most companies will extend your current insurance to a temporary vehicle if they are made aware of your needing to do so.
On the other hand, an uninsured person driving an insured vehicle usually is covered. An example of this might be if you loaned your insured truck to your brother so that he could move. As long as your brother has a valid driver license, they are covered. If his driver license is not valid, than the insurance company will refuse any claims that are made while that person was driving, and you could risk having your auto insurance canceled on the grounds that you are creating unnecessary risk by allowing people who do not have the legal right to drive behind the wheel of your vehicle.
Answered March 8, 2011 by Anonymous