Can A Husband And Wife Have Separate Car Insurance Policies?

Can someone not on your insurance drive your car?

Usually, yes — your car insurance coverage should extend to anyone else driving your car.

So if you lend your car to your best friend, your sister or even your second cousin, your insurance is most often the insurance that will pay in the event of an accident..

What happens if someone not on my insurance wrecks my car?

What happens if someone wrecks your car and they aren’t on your insurance? … But if you can prove they weren’t given permission to drive or if they’re specifically excluded from your policy, then your insurance won’t cover them and they’ll be liable for the damage they caused.

Is the registered owner of a car liable for an accident?

California law imposes financial liability on the owner of a vehicle involved in a car accident, truck accident, motorcycle accident, or other accident involving a motor vehicle, even if the owner was not driving or in the vehicle at the time of the accident.

Can my son drive my car with his own insurance?

You must be properly insured if you drive on the public road, no matter how short the distance, even if your parents have given their permission for you to drive the car, and even if they have their own insurance policy covering the vehicle.

Do I have to list all drivers on my insurance?

You need to disclose all household members when applying for car insurance. Typically, an auto insurance company will then use the information you have given to include drivers on the policy, exclude drivers from the policy, or not rate certain people on the policy.

Can an uninsured driver drive an insured car?

Letting an uninsured driver use your car is risky. If the person who borrows your car has their own insurance, that insurance may cover the costs if they have an accident. … If your friend doesn’t have insurance, however, your options in case of an accident will be limited.

How does insurance work if someone borrows your car?

If a friend borrows your car and causes an accident, your insurance policy pays for any at-fault damages. A rule of thumb to remember in this situation is “car insurance follows the car, not the driver.” It’s still a good idea to make sure whoever drives your car has their own insurance policy, though.

What happens if I let someone else drive my car?

If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy. The claim would go on your insurance record and could affect your car insurance rates in the future.

Can you let someone borrow your car?

Although you should check your individual policy, most of the time you can let someone drive your car and still have coverage. As long as you give the person permission, and they only drive the car occasionally, there shouldn’t be an issue. Accidents, however, are unpredictable and can happen anytime.

Should I let someone borrow my car?

People who often borrow your car might not be covered — because a regular driver of your car should be listed on your policy. … To avoid this, consider listing on your policy any non-household members who occasionally borrow your car. If friends don’t have their own insurance, they could buy non-owner auto insurance.