Have you ever let someone borrow your vehicle and then wondered who would be responsible if that person had an at-fault accident while driving it?
What about your child who no longer lives at home?
What about your roommate?
These are just a few examples each involving different circumstances and which may impact whether they should be listed on your auto insurance policy.
All licensed drivers who live in the household must be included.
All non-resident licensed drivers who have access to the vehicles should be included.
If you have any unlicensed drivers with access to your vehicles, they must be disclosed.
Occasionally, there will be times when someone needs to borrow your vehicle. In this case, if the borrower has an accident, the owner's insurance will be responsible for that accident.
Take proactive steps to safeguard your vehicle. Speak directly with me, your local experienced independent insurance agent, who knows the correct questions to ask in setting up your policy to protect your financial well-being: 706-726-1446.