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yes they are covered IF you had coverage, your insurance should pay up to your limits. If claims exceed your coverage, any auto insurance policy the driver might have would pay. If the damage exceeds your combined limits, you could both be sued for any remaining amounts.

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18y ago
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8y ago

It really just depends on the type of insurance policy you purchased. Standard or limited lines policies differ significantly.

Standard policies tend to cover any permissive use driver as defined in the policy under the section "Covered Drivers".

Limited policies, also known as operator or named driver policies, although economical if price was an issue at the time of purchase, will not cover any person who is not named on the policy.

It would be best to simply to contact your insurance agent and ask about coverage advice for the accident. If you purchased your policy direct, meaning you have no agent to advocate for you, then you will have to rely on the advice whomever answers the 800 number when you call.

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Q: If you let someone drive your car and they crash are they covered?
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Do you need auto insurance to drive a car owned by someone else if you don't own a car?

yes, not for the car but for yourself. you will not be insured on their car though if you crash it.

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you are covered ONLY if the owner of the car you are driving is insured for occasional drivers. Your mother's insurance has nothing to with another 's person's car that you have borrowed.

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Is it legal to drive a car that is not insured on your insurance?

It is illegal to drive a car that is not insured for at least third party cover (i.e. if you hit someone then they - but not you - will get paid out). Therefore if the car is not covered on an insurance policy that YOU have then to drive it you would need to be covered on someone else's insurance. Some people hold insurance policies that allow anyone (with permission from the owner) with a valid license to drive the car and in this case you would b covered on this policy - many company cars have this sort of policy. It is you DUTY to make sure that you/the car has as covering policy before you drive it and that you can PRODUCE this policy for the police should they require you to do so.

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yes, but he was in a car crash

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If I'm covered under my father's insurance can I drive my mother's car?

Car insurance is usually for a specific car. So if you are covered to drive your fathers car that would not apply to your mothers car.

Is it safer too drive a bus or a car?

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The owner's insurance covers the car and usually whomever is driving it. Many people drive cars that belong to someone else. If you are a licensed driver, you'll be covered.