{"id":2937,"date":"2021-02-18T10:37:26","date_gmt":"2021-02-18T17:37:26","guid":{"rendered":"http:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/?p=2937"},"modified":"2021-02-18T10:38:42","modified_gmt":"2021-02-18T17:38:42","slug":"are-you-insured-or-is-it-the-car","status":"publish","type":"post","link":"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/2021\/02\/18\/are-you-insured-or-is-it-the-car\/","title":{"rendered":"Are You Insured or is it the Car?"},"content":{"rendered":"\t\t
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Before you hand over those keys, take a minute to think about your car insurance. It\u2019s a little confusing and circular, right? Are you insured, or is the car? What about someone else driving your car?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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What\u2019s covering who(m)?
<\/strong>The short answer to whether your car insurance follows you or your car is: the car, but it depends! There are types of car insurance that do one, the other or both, and you need to know what your policy says to know what you have, so don\u2019t be afraid to pick up the phone and ask your provider. <\/p>\n

First, two quick terms to learn: <\/p>\n

Permissive use<\/a>: The concept that your insurance covers other drivers (who are not listed on your policy or members of your household) who use your car infrequently.<\/p>\n

Named driver<\/a>: To be covered, a driver must be on the policy.<\/p>\n

So, you ask, who can drive my car and be covered? Most of the time, anyone with a license can legally drive your car and be covered by your car insurance. One common and perhaps unexpected exception, however, is members of your own household: People who live with you should typically be listed on your policy and covered and paid for that way, not as one-off drivers.<\/p>\n

That works both ways \u2013 assuming your friends aren\u2019t driving around illegally without car insurance<\/a>, you are covered by their<\/em> policies when you drive their cars. Some policies, however, have limits on how regularly a not-your-car is available for your use. If you regularly use another person\u2019s car \u2013 say, as a babysitter, a carpool driver or the like \u2013 your friend\u2019s provider may require that you be added as though you\u2019re a member of the household. As ever, just ask.<\/p>\n

Also, if you don\u2019t have a car, but you only occasionally drive friends\u2019 cars or rental cars, you don\u2019t need to go out and buy car insurance. Yeah, we are telling you not to buy insurance, in this case.<\/p>\n

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What if something happens?
<\/strong>Worst case scenario, you are at fault in a collision while driving someone else\u2019s car. (Or vice versa, but to keep it simple, we\u2019ll use you as the driver in our example). As noted above, if you should have been considered a member of the policyholder\u2019s household, their provider may not pay. If you are a one-off driver, their insurer will probably cover the damages. In some scenarios, you have to be found to be at fault, legally, for the damages before they do so \u2013 this may mean you\u2019ll be fronting the money out of pocket and getting reimbursed. Your own insurer will probably only have to pay if you exceed the owner\u2019s policy\u2019s limit.<\/p>\n

And if you get a speeding ticket while driving someone else\u2019s car? Tickets follow the license-holder, not <\/em>the car. That can make your rates go up, but the person whose car you\u2019re in won\u2019t suffer.<\/p>\n

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Rent-a-swag
<\/strong>Almost always, your auto insurance will cover you for any car rental. If you are one of those folks without a car or car insurance, you\u2019re also in luck: All rental cars are automatically insured at state minimums<\/a>. You  can opt to add coverage to that if you\u2019re worried about covering costs above the minimums, but if you\u2019ve got your own coverage, you probably don\u2019t need to do that. Also: Check with your credit card companies, as many include some type of car rental protection as one of their perks of membership. You may be more covered than you think!<\/p>\n

One exception: You may want to look into additional insurance for a rental if you\u2019re planning to rent a luxury or specialty vehicle, but we recommend you purchase it from your provider or through a travel insurance provider rather than at the counter where they hand you the keys. You\u2019re kind of out of options at that point, and some rental companies charge far above market rates for additional coverage.<\/p>\n

And if you\u2019re planning a road trip, don\u2019t sweat anything on the car insurance front (sweat the entertaining-your-kids front instead). All car insurance policies are valid nationwide. The amount of coverage will shift up to meet state minimums higher than your own, if you only have the minimum coverage for your state\u2013they won\u2019t <\/em>shift down, so you can\u2019t lose coverage by driving across state lines.<\/p>\n

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Car insurance is here to protect you, your family, your friends, your stuff and strangers on the road. Be sure you know what you\u2019ve got by calling your provider, and don\u2019t forget that there are some key ways<\/a> to save on your insurance<\/a>. Once you\u2019re insured and safely behind the wheel: Get on out there<\/a>! <\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Before you hand over those keys, take a minute to think about your car insurance. It\u2019s a little confusing and circular, right? Are you insured, or is the car? What about someone else driving your car? What\u2019s covering who(m)?The short answer to whether your car insurance follows you or your car is: the car, but …<\/p>\n

Are You Insured or is it the Car?<\/span> Read More »<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}}},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-json\/wp\/v2\/posts\/2937"}],"collection":[{"href":"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-json\/wp\/v2\/comments?post=2937"}],"version-history":[{"count":4,"href":"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-json\/wp\/v2\/posts\/2937\/revisions"}],"predecessor-version":[{"id":2942,"href":"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-json\/wp\/v2\/posts\/2937\/revisions\/2942"}],"wp:attachment":[{"href":"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-json\/wp\/v2\/media?parent=2937"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-json\/wp\/v2\/categories?post=2937"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-json\/wp\/v2\/tags?post=2937"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}