I have full coverage auto insurance, so is anyone who drives my car covered?

  1. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    It would be a very good idea to talk with your Insurance Professional about this so that you have a solid understanding of the terms and conditions of your particular policy. In general, standard personal auto policies that I have seen provide coverage to you, your resident family members and anyone who you designate to drive your car.
    Answered on December 12, 2014
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  2. 0 POINTS
    Ruben Romero
    Owner, Entrust Insurance Agency, Bronx NY
    It would be best that you speak to your Agent/Broker or Insurance company for detail explanation of your policy. But It depends on your policy or state as to whether it would be covered or not.To answer your question "In small word's" if you voluntarily hand your keys and lend your vehicle to someone else( your brother getting some food at the super market) then yes they would be covered. Now the only policy that i seen that would not covered it is a Texas policy that is called Named Driver only policy in which you name who are the only persons that would be covered under that policy. I can only speak for NYS so I would advice you to speak to your agent or company if they would covered this type of accident. Thank you.
    Answered on December 24, 2014
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  3. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    In California the automobile is insured. The premium is based in part on the drivers in the household but it is the automobile that is the covered object. The automobile is insured as long as it is being operated by a licensed driver using the automobile with the permission of the owner. Any loss the driver sustains will be a mark against the automobile and could affect renewal premiums.
    Answered on February 3, 2015
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