Car insurance – does everyone that drives the car have to be included?

December 7, 2017 · Posted in FAQ 
car insurance
Dustin Y asked:

I’ve been driving my grandmother’s car for about a year. She has insurance on the car, but my name is not on the insurance. I am wondering if I would be covered if an accident occurred. The insurance is liability and uninsured motorist if I remember correctly.

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One Response to “Car insurance – does everyone that drives the car have to be included?”

  1. mauisunset on May 15th, 2010 8:30 am

    It depends on the insurance company.

    You need to contact your grandmother’s insurance company to make sure you *are* covered.

    Recently my girlfriend and I called our respective insurance companies to find out just what you are asking – were we covered driving each other’s cars.

    Turns out my gf’s insurance told her, only she is covered, no one else, including her immediate family!

    My insurance company said, anyone you give permission to drive your car is covered.

    By the way, if you’re an under 25 driver, it’s a good bet that if you get added to the policy to get you coverage, that your grandmother’s insurance policy cost is going to jump up a lot. However it’s much safer (and probably legally required) for you to get properly insured rather than driving around with no insurance coverage.

  2. shjf47 on May 17th, 2010 11:26 pm

    The answer: If you live with your grandmother you must have a valid drivers license and be be named on the policy. Any licensed driver living in your grandmothers residence must be named on the policy to legally drive the car. Any licensed driver not living in your grandmothers residence may drive the vehicle without being listed on the policy.

  3. Hot on May 18th, 2010 5:10 am

    thats can help you

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