Insurance Services of Washington Blog
If your house consists of many family members and you have several vehicles, it is important to list those who should appropriately be included in your car insurance policy. Remember the basic principle: the insurance is for the vehicle and not the driver so if someone else is driving your car your insurance is primary.
If there are other people who use your car, determine if you need to put them on your policy to avoid compromising your legal liability. You also do not want to find yourself facing a denied claim. Here are 6 kinds of drivers that you need to list on your policy.
If one or both of your parents drives your car, list them on your policy. But, you do not need to include your parents on your policy if they have they own car. They would have their own auto insurance. If they live with you, your insurance carrier may ask you to show them proof of your parents’ own insurance policy.
If your adult child has lived with you again, inform your insurer that there is another licensed driver at home. In most states, you have no legal obligation to your adult child who has an accident with their own vehicle. But, if that child drives your car occasionally, it is better to include them on your insurance policy.
Teenagers, aged 16 to 19, have a high percentage rate of car accidents compared to other age brackets. It is one of the reasons why the car insurance for teenage drivers is an expensive one. While collision is an optional coverage, it is highly recommended to cover the damage that the teen driver might cause. But, if the diver is still minor, you will be accountable for their accidents.
Regardless if you are still married or already divorced, you may want to list your teen on your policy. The insurance company thinks the teenager will drive your vehicle from time to time, even if they live somewhere else.
Borrowers of Your Car
There is no need to include borrowers of your car on occasion on your policy, especially if they do not live with you. These may be friends, neighbors, or relatives. In case they get into an auto accident, the insurance will cover you. However, the rates of the insurance could increase in the future.
For these borrowers, they can use a non-owner auto insurance, wherein they pay the premiums themselves.
A caregiver who drives your car on a regular basis should be included on your policy. You may list them as a primary driver, especially if you do not have your own license anymore. But, you are still the car owner as well as the policyholder.
Car insurance does not only cover you as the owner. It also provides protection to other drivers in your household. At Insurance Services of Washington, we aim to provide comprehensive insurance policies that makes your life easier. You can get more information about our products and services by calling our agency at (425) 868-1123. Get your free quote today.