Reader’s Question:

A friend of mine wants to drive my automobile. He has a valid driver’s license but he does not have auto insurance. If he gets in an accident, what will happen with my car insurance in Brandywine, Delaware?

Bob

Brandywine, DE

Typically vehicle insurance follows the automobile first and driver second. So your auto insurance in Brandywine, Delaware will be used if he drives your vehicle and gets into an accident.

Before you permit your friend to drive your car you should read over the terms and conditions of your car insurance policy. You need to talk to your car insurance agent to be sure those that you allow to drive your cars are properly covered. Generally those that you allow to drive your vehicles are covered normally by your car insurance coverages but car insurance policy terms vary and some insurance policies has exclusions when it comes to permitting someone to operate your car.

If your car insurance policy in Brandywine, Delaware would cover your friend then car insurance would be affected just as if you were the driver if he gets involved in an accident. So if your friend gets into an accident this would show up in your claims history thus may affect your car insurance rate.

Tags: auto insurance, car insurance rate