Table of Contents
The rules of insurance can seem tricky when there’s someone driving a car that’s not theirs. For the most part, we wonder whether or not insurance can cover the accident of someone else if they’re driving your car.
But what if that person is an uninsured driver? We’re going to take a look at the situation of an uninsured driver driving an insured car today, giving you some idea of what to expect.
Hopefully, the ideas below can give you some direction on how to plan for these circumstances, and what to do if they happen to you. Let’s get started.
An Uninsured Driver Driving an Insured Car
All states have a minimum requirement for drivers to be insured. In most cases, this means that the driver has to have liability insurance.
Liability coverage takes care of the other driver and their property in the case that you have an accident. While your damages won’t be covered, you can rest easy knowing that you didn’t put someone else into financial ruin in an accident.
That said, a lot of people still fail to get car insurance. Further, some people with licenses don’t have cars, so they don’t have the need for car insurance. They might still drive a friend or family member’s car from time to time, though.
Are you covered in the case that they get in an accident using your car?
Coverage Depends on The Situation and Your Provider
In most cases, the person will be covered by your car insurance if you gave them consent to drive your car. That said, the specifics can be a little hazy because insurance companies have an interest in saving as much money as they can.
Finding out the absolute truth of the matter in your situation requires that you look at your policy or call your provider’s customer service. If someone is going to be driving your car a lot, it might be a smart move to list them in your insurance coverage as a secondary driver.
Letting your insurance company know that they’ll be a secondary driver is a great way to prevent any confusion.
Other Drivers Without Insurance
On the other hand, what are you to do when you get in an accident and the other driver has no insurance?
The best way to prevent complications like this is to get uninsured motorist coverage. This coverage takes care of your damages if you’re hit by a driver without liability coverage.
If you get into an accident like this before you get uninsured motorist coverage, though, you have to take that person’s information and license plate number.
There’s a good chance that you can take legal action and wind up with the compensation that you need.
Need More Insurance Information?
Situations like an uninsured driver driving an insured car are complicated, and there are a lot of similar instances where the rules aren’t clear. We’re here to help you sift through those problems.
Knowing what to do in stressful situations like these can give you peace of mind and help you handle yourself when you experience a collision. Explore our site for more information on insurance, collisions, and much more.