Visiting Teen Driver Auto Insurance Coverage Question
Reader’s Question:
If my son comes to visit us here in Ann Arbor, Michigan and we give him permission to use our car, if they get involved in an accident are they covered?
Alice
Ann Arbor, MI
Well if you give permission to your friend or a relative who does not reside with you in the household to borrow your automobile on an occasional basis, normally then your auto insurance coverages will extend to them and therefore they will be covered and the car will be covered if they get involved in an accident.
Vehicle insurance providers differ with their guidelines and terms of insurance policies so you I suggest that you read through your insurance policy and it is important to talk to your auto insurance agent with regards to the issue to be sure your auto insurance policy does not have exclusions for lending your automobile to your teenage son when they come to visit you and operate your vehicle. Your auto insurance agent should also be able to inform you which of your auto insurance coverages are extended to those that you give permission to drive your automobile but who are not listed as a motorist on the car insurance policy.