If you're wondering what exactly your auto insurance covers when it comes to other people driving your car, that's perfectly understandable. Questions such as, "Should I let my friend drive my car?" and, "Does my insurance cover other drivers too?" are very common. By better understanding what your coverage entails, it will be easier to decide if anyone else should be allowed behind the wheel of your vehicle.
If you've already signed up with a plan, take the time to study the terms and conditions thoroughly and learn exactly what you're covered for. This is particularly important when it comes to lending your car. As different plans can often differ greatly, learn everything about your auto insurance coverage and understand the definitions and rules of your policy. If you feel that this particular point has not been made clear, call your insurance company and ask for clarification. No matter what you do, don't let anyone drive your car before you know for sure that you're both covered.
Liability auto insurance is the type of coverage that is attached to one specific driver, no matter what car you're driving. This way, if a person has a driving license and is covered by liability insurance, he can drive whichever vehicle he chooses and still be under the same policy. If you're trying to decide whether you should let your friend drive your car, ask what kind of coverage he has signed up for and this will automatically tell you whether you should go ahead and allow it.
Comprehensive auto insurance is a cover plan attached to a specific car. The same goes for collision coverage as well. These two policies will cover any damage that occurs to the vehicle, but will not cover another driver that you let behind the wheel of your car.
Before allowing anyone to get onto the passenger's seat, it is crucial that you know whether or not he or she is covered by your car insurance. Policies differ, so it is up to you, the owner of the car, to make sure that the driver is insured. For this reason, when you're looking for the right plan of auto insurance for you, make sure you ask what happens in the case that someone else drives your car and gets involved in an accident. Ask your agent to clarify whether the plan that you're signing up with will cover any driver or just you and you will know whether you can let a friend drive your car after a night out.
Call True Rate Insurance Agency at 855-735-1600 today for more information on how your Los Angeles car insurance policy can work with your friends.