You may have pondered at some point what would happen to your auto insurance coverage if someone else was driving your vehicle and it was involved in a collision and sustained damage. The bulk of people doesn’t understand this. Nevertheless, if you adhere to the restrictions outlined in the auto insurance policy, you will be safeguarded in the event of an accident. Car insurance safeguards you, your vehicle, and any third-party claims in the event of a collision. Meanwhile, get the help of an auto accident lawyer.
Who will have to pay for the damages?
The answer to this question varies. The state-mandated statutory liability auto insurance is often not enough to cover the costs associated with the injuries and damages suffered by other drivers and passengers, leaving the at-fault driver with significant out-of-pocket payments. Because the insurance company will not cover those costs under the minimum responsibility, the at-fault driver will also be liable for any injuries and losses they sustain. The driver who caused the collision will be responsible for paying for the damages and costs incurred by other drivers and passengers because Indiana is an at-fault state.
Although auto insurance policies can vary from insurer to insurer, as a general rule, your insurer will cover nearly all drivers who drive your vehicle. You can therefore lend your car to family members or close friends because “permissive use” normally applies in these circumstances. By “permissive use,” we imply that your auto insurance will cover anyone you let drive your car. However, if they are specifically listed in the “excluded drivers” category on your auto insurance, they won’t be covered while operating your vehicle. Determining who your auto insurance will provide coverage for to use your vehicle might be challenging.
If you are unsure of the insurance coverage, contact your auto insurance provider or give them a call to find out more information about the coverage provided by your motor policy. Because insurance companies frequently look for ways to avoid paying, it would be a good idea to check the status of the person’s driver’s license and your terms and conditions regarding your vehicle insurance coverage before you contemplate letting them borrow your car. Need help? Get in touch with a lawyer right away if you require their assistance in understanding more about the nuances of your insurance coverage.