Should I let my roommate drive my car?
Should I let my roommate drive my car?
To ensure coverage, your roommate should be listed as a driver on your policy before they drive your vehicle. Damage to your vehicle may be covered if you’ve given your roommate permission to drive your car and they aren’t listed on your policy, but it will depend on the situation and the insurer.
Does my car insurance cover my roommate?
You may be able to add your roommate to your car insurance since you live at the same address. If you own a car but your roommate does not, the insurance policy for the car needs to be in your name. Ask your agent about adding your roommate to your car insurance policy as an operator (driver) of your vehicle.
What happens if my roommate borrows my car?
But if he or she borrows the car for a few weeks, your insurance may not cover it, according to Progressive.com. If you expect to share your car all the time, your friend or roommate should be added to your insurance policy as an additional driver. Many insurers will even ask that you list roommates on your policy.
What happens if your roommate has a DUI?
If your roommate has multiple DUIs, for example, this could save on your premium. But if you give the excluded driver permission to borrow your car and he or she causes an accident, your insurance most likely will not cover it and your insurer could cancel your policy.
Do you have to put your roommate on your car insurance?
If you expect to share your car all the time, your friend or roommate should be added to your insurance policy as an additional driver. Many insurers will even ask that you list roommates on your policy. And this could affect your rate – if your roommate has a history of accidents, for example, you could end up paying significantly more.
What happens if your friend takes your car?
If your friend or roommate decides to take your car without your permission and causes an accident, his or her insurance will likely be the primary coverage and yours secondary, according to Esurance. But if he or she doesn’t have insurance, yours should cover the accident.
But if he or she borrows the car for a few weeks, your insurance may not cover it, according to Progressive.com. If you expect to share your car all the time, your friend or roommate should be added to your insurance policy as an additional driver. Many insurers will even ask that you list roommates on your policy.
If you expect to share your car all the time, your friend or roommate should be added to your insurance policy as an additional driver. Many insurers will even ask that you list roommates on your policy. And this could affect your rate – if your roommate has a history of accidents, for example, you could end up paying significantly more.
If your roommate has multiple DUIs, for example, this could save on your premium. But if you give the excluded driver permission to borrow your car and he or she causes an accident, your insurance most likely will not cover it and your insurer could cancel your policy.
What happens when you give someone permission to drive your car?
When you give someone else permission to drive your car, your insurance takes primary coverage status and the driver’s insurance takes secondary coverage status. This means that your insurance will be liable if an accident happens, so you’ll have to file the claim, pay the deductible and your rate may even increase, according to Esurance.
