It’s important to have a car when you live in Harrisburg, PA, and you happily take care of yours. You’re on top of the maintenance, keep it clean, and you have good insurance. Despite that, there’s a situation that might make you nervous. If you ever let a friend or family member drive the car, is it still insured? How does that work, exactly? In most cases, it’s an easy situation, and the answers are right here.
Insuring the Car
Remember, as always, that individual policies will vary, and these general rules won’t always be the case. It’s important to review your policy and make sure you know exactly how it works. If you want some help, feel free to involve your Henderson Insurance Agency representative.
With that said, car insurance is typically for the vehicle rather than the driver. You’ll have to list yourself as a driver on a car you pay to insure, but if you lend it to a friend, the car is still insured. There is an exception. If you lend a car to someone for more than a single trip, then they need to be listed as a driver for the car. Your policy should explain what constitutes a primary or regular driver for the vehicle.
Exceptions for Kids
The concept of regular use extends to dependents. When your kids start driving, they’re likely going to be driving your car and under your insurance. Because they’re driving with regularity, they have to be added to the policy. The bad news is that this will often increase your premiums. The good news is that having your kids listed on the policy extends the protections they receive from your insurance.
If any of this feels complicated or you have questions, talk to your Henderson Insurance Agency. They can help you navigate the rules and laws that apply to Harrisburg residents, and they can explain the nuts and bolts of your policy.