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Ask SpecialistMichael Your Own Question
SpecialistMichael
SpecialistMichael, MS, CSCS
Category: General
Satisfied Customers: 508
Experience:  Senior Information Specialist
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My son goes to college and walks there. He has a license,

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My son goes to college and walks there. He has a license, but no car. If he drives his girlfriend's car once or twice (she has insurance) and if there were an accident when he's driving, what happens? Does her insurance cover anyone driving her car that she gave permission? Does anything happen to him for driving her car? How does that work?

FitnessSpecialist :

My name is Mike


 

FitnessSpecialist :

are you available


 

Customer:

Hi. What question do you have?

FitnessSpecialist :

What question? I have the one where you are asking about your son and his girlfriends car at college


 

Customer:

Hi Mike. I didn't see your intro. Yes, what question do you have?


 

FitnessSpecialist :

your concerns are regarding a potential accident


 

FitnessSpecialist :

correct?


 

Customer:

Sorry, it said "you" have a question for me about the situation I presented concerning my son.


 

FitnessSpecialist :

Well it was possibly just an error


 

Customer:

It's strange, but I can't really see your question in the tiny window. He was no in an accident. I was just asking if he could drive her car since he has no car, thus no insurance.


 

FitnessSpecialist :

Yes he can


 

FitnessSpecialist :

basically its going to be covered by her insurnace


 

FitnessSpecialist :

assuming she has "other driver" coverage


 

FitnessSpecialist :

so this is something he/she needs to ask her or her parents about


 

FitnessSpecialist :

because not all insurances cover other drivers


 

FitnessSpecialist :

But as long as he has his license and can legally drive, he can driver her car


 

Customer:

Ok. So it's called "other driver" coverage? I don't know if "I" have that. I'll check.

FitnessSpecialist :

The vehicle is insured to be on the road, its usually a law in just about every area


 

FitnessSpecialist :

But for example there are some companies that have an option to insure other drivers as opposed to the "primary" driver only


 

FitnessSpecialist :

so in other words if the girlfriends car is actually registered and insured to HER parents, she is probably covererd


 

FitnessSpecialist :

covered*


 

Customer:

I will have him check...I'll also check mine! Thanks

FitnessSpecialist :

does that help answer your question?


 

Customer:

She isn't covered on her parent's policy. She has her own policy. She's 26.

FitnessSpecialist :

Ok so he just has to check her policy


 

Customer:

Yes, it does. Just to be clear, she should call her company and ask if they have "other driver" coverage, correct?

FitnessSpecialist :

The company may just call it "additional driver"


 

FitnessSpecialist :

or something of the like


 

FitnessSpecialist :

she is the primary


 

FitnessSpecialist :

just make sure it covers "guests"


 

FitnessSpecialist :

As long as she explains the situation, they will know exactly what she needs


 

FitnessSpecialist :

however she may already have that coverage


 

FitnessSpecialist :

as some have that as "standard" coverage - again, its just dependent on the insurance company and the coverage


 

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