If you have a gap of a few years of car insurance coverage, a company may charge you much higher rates than if you always have insurance. That way, you have continuous car insurance coverage, which an insurance company looks for when setting rates. People who frequently borrow cars can also get this coverage. An insurance company may require buying extra liability coverage to maintain a driver’s license. Non-owners car insurance is typically an option for high-risk drivers. If you don’t own a car but borrow your friend’s car to get around, you may want to explore non-owners car insurance. If you want more detailed information on this topic, read “ Insurance follows the car.”Ĭan you get car insurance if you don’t own a car? But if someone else gets a ticket while driving your car, the infraction will be charged to your friend because he operated the car. If your friend gets into an accident with your car and you file a claim, your rates will likely increase because it’s your car insurance policy that’s covering the car. Insurance policy coverage won’t extend to a rental car.Īnother thing to remember when you lend your car.
SOMEONE ELSES VEHICLE FOR CALIFORNIA DRIVERS TEST DRIVER
The person is listed on your car insurance policy as an excluded driver.There are times when an insurance company may not cover car damage when another person is driving your car.įor instance, you may not be able to file a claim if either: When does car insurance not cover a person driving your car? Permissive use means that you gave the person permission to drive your car. So, typically your car insurance covers other drivers regardless of who’s driving it at the time of the accident as long as the driver has permissive use. A car insurance policy covers you if someone steals your car and gets into an accident.Ĭar insurance policies follow the car - not the driver behind the wheel.If you don’t own a car but borrow your friend’s car, you might need to have non-owner car insurance.Your insurance policy may not cover the car damage if the person driving your car is listed as an excluded driver on your car insurance policy.Car insurance covers other drivers regardless of who’s driving it at the time of the accident as long as the driver has permissive use.
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