Who Does Your Auto Insurance Protect?

If you sometimes lend your vehicle to a family member or friend, you should take the time to ensure that you have the right kind of insurance. If he or she gets into an accident, you may not be covered by your auto insurance.

Check with your insurance agent to find out if you have a family policy or a named insured-only policy. A family policy usually covers any relative in your household, along with any other person to whom you have given permission to drive your vehicle. A named insured-only policy, in contrast, covers only the driver named in the policy. This type of insurance is cheaper than a family policy, often up to 15% less expensive.

However, if you lend your car to a family member, friend, child, or even your spouse, any accident would not be covered.

Once you know what type of insurance you have, you can decide how to handle requests to borrow your vehicle. If you do have a named insured-only policy, never let anyone else drive your car. If you sometimes do let others use your vehicle, you should switch to a family policy, even if it does cost more. The risk of an accident that is not covered is not worth the small savings.

Cypress Park Apartments in Baton Rouge, Louisiana goes above and beyond to improve your daily lifestyle with our spacious floor plans, unparalleled amenities, and incomparable customer service. We hope these tips will inform, educate, and ultimately, provide you with a better way-of-life.

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