Auto Insurance Question Houston Texas TX
Readers Question:
My cousin from California is coming over this summer. We arranged that she’ll be using my car. Will she be covered for my auto insurance as a driver?
Dina
Houston, TX
Thanks for your question Dina.
I’m sure you’ll have fun together with your cousin.
To answer your question let me give you the basics of auto insurance. First things first, an auto insurance covers the damages of the vehicle upon accident or unforeseen natural disaster (under comprehensive coverage) irregardless of who is using the vehicle at that time. In other words, the vehicle, not the owner nor the driver, is insured. So if your cousin meets accidents while driving, the damages to the vehicle will be repaired using your auto insurance.
The risk when someone else is driving your car is meeting the accident itself. You have to be sure that your cousin can drive well and carefully so accidents will be avoided. No matter how favorable your auto insurance coverage is, it is still important that you avoid getting claims and waiting for your car to be repaired. Imagine not having a car most of the time just because it is in the repair shop. Also, it is worth taking note that processing of claims for auto insurance can take time (although this depends on the service of the auto insurance company). And sometimes in cases of collision coverage, the auto insurance company has to investigate who is responsible for the collision.
If your cousin was found out to have caused the collision, you may have hard time claiming for your auto insurance coverage. What I’m saying is that insurance companies are also diligent in releasing claims and the process is quite unpleasant. Plus, you’ll have the risk of paying high premiums because of records of claim even though you were not the driver when the accident happened. Accidents never had a good side so just be sure that your car is taken care of despite you having auto insurance with the highest protection.
Loading ...