Discover what happens if someone else drives your car and gets into an accident.
T在这里 are times in life when we need to let someone borrow our car, but we hesitate allowing them to use it because we don't know if we can, 或者如果我们应该. 我们想知道:
- 可以让我的 保姆用我的车 开车送我的孩子去游泳池?
- 可以让我的 brother-in-law or other family member borrow my car for the weekend?
- 我朋友的 pp王者电子官网包括任何损害 我在驾驶他们的车辆时引起的?
- Do irregular drivers need to be added to my policy?
这是它的核心, 我们想知道, "If we give them permission and they get into an accident, 这在我的pp王者电子官网范围内吗? Is it legal for someone to drive my car who is not on my insurance policy?"
“一般, it's not a problem if they're driving with your consent,Jeanne Salvatore说, Senior Vice President of Public Affairs and consumer spokesperson for the pp王者电子官网信息研究所. “如果是偶尔使用的话, 就说我借你的车去买牛奶, and as long as permission has been verbally granted, 你通常会得到pp王者电子官网."
But, borrowing a car under other circumstances may not be as clear-cut. It depends on your insurer and your particular policy. 例如, coverage rules and regulations may be different if the driver lives in your household and could, 或者应该, 在你的pp王者电子官网单上被列为pg电子官方网页版, but is not; or, if the driver is listed on your policy as excluded. Those more complicated situations would need to be discussed with your agent and claim representative.
Typically, even if the person driving your car has his or her own insurance, your insurance will be the primary payer for damages caused by your 车辆; but, the person driving your car has to be found legally at fault before your insurance will pay. The driver's insurance is secondary and may cover some personal injury or medical expenses. It may also provide coverage in excess of your insurance coverage, if the cost of damages caused by your 车辆 is higher than your policy limits.
“当你雇佣某人的时候, 比如保姆或护士, 谁会是常客, 在您的家庭额外的司机, contact your insurance agent about your policy,Salvatore建议道. 他或她可能需要被添加到其中."
"Anytime you have a question about your policy, call your insurance agent first," says Salvatore. "You always want to let the insurance company know the circumstances. 听取他们的建议."
As with anything else, use good judgment and common sense. Make sure you are fully aware of the liability you may be opening yourself, 还有你的汽车pp王者电子官网, 在你交出钥匙之前. "Don't be cavalier about lending your car," adds Salvatore. "If you know someone isn't a good driver, think twice about giving your permission. Any crash they're in could go on your insurance record."