Who’s Covered Under Your Auto Insurance?

Summer’s a time for road trips and holiday activities with family and friends. With so much happening, it’s only natural to loan your vehicle to other drivers. Before allowing anyone to drive your car, make sure they’re covered by your auto insurance. The following guidelines by Koverage Insurance Group in Enfield, CT explains more about auto insurance coverage for "guest" drivers.

Immediate Family

Relatives who are part of your household are automatically covered by your auto insurance coverage. If your parents, brother, sister or another family member with a valid driver’s license borrows your vehicle, they will be protected by your insurance policy, as long as they have your permission to use the car.

Visiting Relatives

It’s not uncommon to have relatives come to visit for the summer. They may ask to borrow your car for a quick trip to the supermarket or local mall. If you give them permission to drive your vehicle, they will be covered by your auto insurance. Naturally, you should ensure your relative has a valid driver’s license and is a safe driver before loaning out your car. If Uncle Henry is known for speeding or Aunt Mary has a history of fender benders, you may want to think twice before letting them borrow your vehicle.

Friends

Friends are also covered under your auto insurance if they have a valid driver’s license and you’ve given them permission to use your car. Guest drivers, however, may not have the same level of protection that you have on the road. When in doubt, talk to your Koverage Insurance Group agent about the coverage guest drivers have under your policy so you can be prepared in the event of an accident.

To learn more about auto insurance options, coverage and costs, call or visit your Koverage Insurance Group agent in Enfield, CT today.

How Does Pulling a Trailer Affect Auto Insurance?

Before towing a trailer with a vehicle, be sure to contact your agent at Koverage Insurance Group, serving Enfield, CT and the surrounding area. There are many types of things that a vehicle can tow, which include campers, trailers that carry horses, utility trailers, and trailers used to haul boats. There are trailers for motorcycles, snowmobiles, watercraft, ATVs, and others. All of these uses may require special insurance.

Your auto insurance may partially cover some risks when towing a trailer; however, there are many considerations that can affect your insurance coverage For anything that you want to tow, you probably need to expand your auto insurance coverage.

Please note that we are just describing some general information about the possibilities. For the specifics about your coverage, talk with your agent.

Here are some main concerns:

  • Own or Rent: There is usually a difference in insurance coverage if the trailer is owned by the insured driver or if the trailer is rented. Coverage for a rented trailer may be excluded under an auto insurance policy. In that case, you may need to get insurance for the trailer from the rental company.
  • Fault: An auto policy may cover liability for damages caused to others and their property when the accident is the fault of another person but may not cover any damage if the accident is your fault.
  • Extended Coverage: Extra insurance coverage may be required for the things you will pull with the trailer, such as a boat, or your personal property such as things carried in a camper or horses transported in a horse trailer.
  • Personal vs. Commercial Use: Any commercial use of a trailer requires a different kind of insurance than the type that covers personal use. Err on the side of caution because things like entering a horse in a horse show may be seen as a commercial venture, especially if cash prizes are awarded to the winners. Even an occasional commercial use, means the trailer and auto may need to be insured for commercial activities.

Contact your agent at Koverage Insurance Group in Enfield, CT by calling or using the convenient online form to get a quote for auto insurance that also provides adequate protection for things that you tow and for any trailers.