Comments on: Do Automobile companies cover only the drivers listed on the policy?

By: Lawnboy & Luna

Lawnboy & Luna — Sat, 15 May 2010 22:42:44 +0000

All household members have to be listed since it is assumed they will likely be driving the vehicle at some point. Your friends and other people you let borrow your vehicle,are covered as long as they are not a regular user. Usually, the only time a person borrowing your vehicle is not covered is if they are specifically excluded. Lawnboy & Luna

By: UwishUknewMyName

UwishUknewMyName — Sat, 15 May 2010 09:54:09 +0000

Generally speaking, yes they usually only cover the listed driver.

However, if there is an unlisted driver involved in an accident, coverage could still be afforded. It all depends on what the conditions of your policy are.

If your father has regular access to your vehicle or drives it on a regular basis, or lives in your house, its possible the claim could be denied.

However, if he had your permission, it was a one time deal, coverage could be ok.

Also, if your father has his own auto insurance, coverage should be ok in that case too.

All depends on circumstances really. UwishUknewMyName

By: Andy

Andy — Fri, 14 May 2010 06:31:50 +0000

Do you live in the same house?if so then they expect you to add him on the policy as a driver.If not your covered when you give permission for a licensed driver to borrow your car.Some insurance has restrictions on loaning your car to a young driver but you would have to ask them. Andy

By: Richard Chan

Richard Chan — Wed, 12 May 2010 14:02:42 +0000

I think it is ok if he only drives once in a bluemoon & has a crash
But if he drives regularly you are expected to put him in the policy like if he drives more then once a month Richard Chan

By: ihrobin

ihrobin — Mon, 10 May 2010 07:24:15 +0000

I think so. ihrobin

By: First L

First L — Sat, 08 May 2010 21:40:55 +0000

Well, as I understand it, the drivers listed on the policy as the ones ‘identified’ as your covered drivers. but, the insurance really covers the vehicle. so, if you lended the car (permissive use) to your father (so long as he has a valid license) then it would be covered.

that being said, full coverage covers both liability and coverage for damage to your car. liability would not provide protection for theft, fire, animals (comprehensive) or collision( damage to your vehicle). Thus, your car is only provided whatever coverage you elect in your policy.

If your dad is insured, your insurance company may work with his company to work out something i the event of an accident (in other words Allstate may ask his company to kick in on the loss if your dad was driving your car). First L