Car insurance named policy holder
I don’t have a car so I end up using my friend’s vehicle a lot. However, my name isn’t on her vehicle insurance policy. Is this okay?
Amy
Thank you for your question, Amy.
Well, yes and no. First of all, your friend’s vehicle insurance policy is very wide reaching, as most car insurance policies are. What it does is allow most people who would reasonably drive your friends car to do so and still be included under her auto insurance policy in the case that a car insurance claim is needed. This group of people includes relatives, household members, roommates, and you, who would fall under friends. So, yeah, if you drive her car you are okay, so long as you are equipped with a valid driver’s license and have her permission, although her permission doesn’t have to be expressed verbally. If it could reasonably be believed that she would allow you to drive her car, then you are okay.
However, I do wonder from your post how often you drive her car. You say a lot, and that could have some effect on your need to have a vehicle insurance policy with her. The reason is that while the occasional borrowing of a car by someone not on the policy is allowed, frequent regular driver use is not. If you use her vehicle so often, then you need to fess up and have your name added to her vehicle insurance policy., If you do not, and her car insurance company finds out that you have been using her vehicle frequently, then you might get a car insurance claim denied if you ever end up having to file one.
Cheers,
Fashun Guadarrama.
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