What if Someone Not on Your Insurance Drives Your Car?
Published On Mar 26, 2021 10:00 AM By InsuranceDekho
How car insurance works when you lend your car to somebody is a common query. Learn what happens when someone not on your insurance drives your car and gets involved in an accident or a mishap.
Table of Contents
When we buy a car insurance policy, we try to ensure that it covers our damages, losses and even bodily injuries. But, if you lend your car to some of your friends or any colleague and it gets damaged due to an accident or a mishap. In such a situation, you may not know what to do as you got insurance for yourself. It is a common query of car owners and the answer to this question is yes. A person not included in your car insurance can also drive your car if he or she is a permissive driver, which means that you have given permission to him or her to drive your car.
When Will You Get an Insurance Cover if Someone Borrows Your Car?
Here are some scenarios in which you can receive coverage from your insurance company if any person not on your car insurance involves in an accident with your car:
If the Driver Is Permitted by You
If you have given permission to the driver to drive your car before it gets involved in an accident, then, you will be entitled to receive complete insurance cover. As the car insurance cover is designed to protect you, therefore, even if you are not in the car during the accident, you will get the insurance benefit. As the third party cover is also included in your insurance policy, so if the driver causes damage to a third party, it will be covered by the basic cover. However, if the damage is more than the expected limit, then the permissive driver may have to bear the damages.
If the Driver Is Your Spouse
If your spouse takes your car on a drive and gets involved in an accident, in such a situation, your car insurance policy will be covering all the expenses arising due to the damage sustained by your car. It is due to the fact that the spouse is always there on the car insurance policy unless deliberately excluded from the list of drivers.
When Will You Not Get Insurance Coverage if Someone Borrows Your Car?
Here are some scenarios in which you may not get coverage from your insurance company if any person not on your car insurance gets engaged in an accident with your car:
- If the person who drives your car falls under the age group which is not covered in the insurance policy.
- If the person driving your car is not permitted by you to drive your car. In this case, he or she would be liable for the losses.
- If the person driving the car is on the exclusion list or is not included in the driver’s list. In such a scenario, you will not receive any sort of insurance cover.
- If the person who drives your car does not carry a valid car driving license, then, you will not be entitled to get any compensation.
- If the person is driving your car under the influence of any drug or any other toxic substance, you will not be provided with any coverage.
Driving a car is a task of responsibility as it may turn into a serious incident. Hence, if you lend your car to any relative or friend, ensure that he or she attains a valid car license, he or she is of more than the required age, and they are not fond of any toxic substance. After checking on these factors, you can give your car to drive, otherwise, you can lose the policy coverage.
Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.