Click to Call
Get Directions
Allowing a friend, relative or even the babysitter to borrow your car in Albertville, Minnesota does not necessarily mean that you are taking unnecessary risks. In many cases, insurers will still cover your vehicle while a loved one or a friend is driving the car. Even though you may still be covered, certain situations may impact your auto coverage and might limit the funds that you are provided.
Lending to Individuals in the Same House
If you live with the individual who is borrowing your vehicle, then you may not be covered for the damages unless the person is mentioned under your policy. The reason is that the individual may drive the vehicle more often and has a higher risk of getting into an accident as a result.
When a loved one lives in the same house, it may be wise to put them under your current account to avoid complications if an accident occurs.
Lending to Others
Offering your car to a friend, relative or acquaintance who does not live in the same house means that you are still covered under most policies. Keep in mind that every insurer is different, so it is important to evaluate your particular policy before you allow a loved one to drive your car.
Read your policy to find out what situations may be classified as an exception to the basic rules. If there are times when you are not covered, then identify those situations to avoid problems if you must make a claim.
In most cases, you are covered if you lend your car to another individual. Contact Pizano Insurance to talk to an independent agent about your coverage options and the situations that may not be covered by a basic policy.