Who Is Allowed To Drive My Car In Arizona?
In our last blog post, we talked about renting your vehicle for money, this is NOT a good thing! After the post, we had a few questions from viewers and clients that asked “well, what if it’s not for money?” or “what if I’m not renting it to them, if it’s just a friend that is borrowing my car?”. Those are good questions, and I’ll try to answer them in this post and video.
Different Possible Scenarios
There are many times when you’re out in Arizona with a friend or family member. Maybe you’ve gone to a concert in Gilbert and drank too much, so your designated driver drives your car for you. Maybe you’re hanging out at your parents in Mesa and your mom takes your car to the grocery store real quick. These are very real scenarios that happen daily, so you need to know if your auto insurance policy covers you for these things.
Permissive Use Coverage
This sounds just as it is- if you give someone permission to drive your car, they would be covered under permissive use coverage. In other words, the same coverage you have on your auto insurance policy covers another driver just the same as it would you. These people would usually be covered without being added to your policy as a driver, as this only happens occasionally.
A Few Exceptions
In another video and blog post we talk about who needs to be added to your policy as a driver. If someone is living in your house and licensed, they need to be listed as a driver. If someone is driving the car on a regular basis (usually at least once a month) then they need to be added as a driver. These people need to be added as drivers, if they aren’t and an auto accident occurs, there may be some issues with the insurance company come claim time.
Not All Policies Are Created Equal
It’s important to remember that all policies are different. These are general guidelines, but are not the rule. You always need to check with your specific policy and ask your insurance company to make sure you’re covered. We are always willing to take a look at your policy to answer any questions you have!