You will need to know whose insurance will pay for the damage if you let someone else drive your vehicle and they have an accident. So, does auto insurance include coverage for other drivers? Because several distinct criteria affect who and what your coverage will cover, the answer to this question might be a little confusing. A Truck accident lawyer in Atlanta can help with your issues.
Although various plans would still cover various incidents, the state of Georgia mandates that all automobile owners have insurance that complies with the legal requirements.
Auto insurance: does it cover other drivers?
Your auto insurance provider will still be responsible for practically everything if a member of the family or acquaintance operates your vehicle. Damage from the other motorist will be covered by liability insurance. You may also fix your own car, provided you have collision coverage.
Remember that some insurance may only cover a limited number of family members that would exclude drivers who are omitted.
Is the driver or the vehicle insured?
For this reason, auto insurance is called “vehicle” insurance rather than “driver” insurance. Contrary to popular belief, vehicle insurance covers more than just the insured.
Anything that occurs while you are using your vehicle is the responsibility of your insurance provider. The sole exception to this rule is if the other driver was at fault. Most of the time, if not all, of the damages is covered by the insurance company of the individual who caused the accident.
Finding fault is not an easy task. Accident blame is more of a percentage in Georgia than a set reality. Each driver will frequently accept some of the blame.
Does auto insurance cover the driver or the vehicle?
When you submit a claim, there may be an exception since insurance follows the vehicle rather than the driver.
- Limitations of the coverage: If someone else drives your car and is involved in an accident, your insurance will cover any at-fault losses, but if these losses surpass your policy limits, the at-fault driver’s insurance may also be required to contribute.
- Reimbursement: In some cases, your insurer may contact the driver’s insurance provider to request a reimbursement.
- Permission: You could be able to prevent any payment or damage if you can prove that the individual who drove your automobile was not authorized to do so.
What happens if someone borrows my car but does not have insurance?
The majority of those without automobiles also do not have auto insurance.
You must still make a claim with your own insurance carrier if someone takes your automobile without having insurance.