Adding a driver on your Auto Insurance

The time may come, where you cannot drive your own car because you are out of town or country. During this time, is it possible for someone else to drive your car? Of course, anybody can drive your car as long as he has a driver’s license and is capable of driving. But, he needs to make sure that he will not violate any traffic regulation, especially if the owner does not know that he is using the car. So, it would be best to ask for permission.

What if you are driving someone else’s car and then, you met an accident? What if your borrowed car got damaged? If it is not your fault, then someone else must pay for your damages. But, if it is your fault, then you have to pay for your borrowed car’s damages as well as damages incurred by the other party.

Will you pay from your own pocket? If this car is not yours and you are listed as a driver under the insurance policy of the car that you have just borrowed, then you may not spend anything because the insurance company will handle the situation. But, if you are not listed as a driver under the owner’s car insurance policy, then you must pay for all the expenses met during the accident.

Who can I list as additional driver?

Before accepting the car insurance policy, you have to ask the insurance company agent if you can add a driver covered in your insurance policy. If they will tell you that you may add 4 to 5 drivers, including you, then you have to list the names of the people whom you allow to drive your car.

Adding a driver is also important, especially if the owner is not around and the people you left needs to use the car for emergency cases. There are also times, where you may ask someone to drive for you, especially if you are not currently capable of driving. Another example is that when you are suffering from illness or you need a driver to drive for you every day.

The same thing also applies when you would like to drive someone’s car. For example, you and your wife have your own cars. But, your car is under inspection or maintenance. And then, you would like to use your partner’s car, then it would be best if you are also listed in your partner’s car insurance policy as an additional driver, especially if you are planning to use your husband or wife’s car often.

Anyway, it could have been better if you will discuss this concern with your insurance company because they have different policies about adding a driver. The number of drivers you may add will actually depend on the type of insurance policy and cover that you will avail. In my opinion, adding a driver under your car insurance policy is just a way to protect you and your car from future unexpected expenses that may arise.