Who is covered by my personal auto insurance policy?
We get this question a lot, and it is usually a question that comes after an accident. It’s important to understand who is covered before an auto accident.
Generally speaking, the first named insured on the auto policy, their spouse, any relatives residing in the home, and unmarried, unemancipated children attending school full time, living away from home, would be considered covered under a personal auto insurance policy. However, each company looks at drivers differently and it is critical you understand how your company defines covered drivers on your policy.
The surest way to know if a driver is covered under your auto policy is to call your agent and add that driver to your auto insurance policy. In this way, you’ll be certain that should a loss occur with a specific driver behind the wheel of a covered auto, coverage will be afforded up to the limits you selected.
There are instances where an unlisted driver may be covered while operating an insured vehicle on your personal auto policy. An example would be a non-resident of the household to whom you give permission to drive a covered auto. As long as their usage cannot be construed as “regular and customary”, then coverage may apply. The “regular and customary” definition varies between companies. As such, if you regularly loan your auto to someone who is outside the household it is always wise to check with your insurance agent to be certain coverage would be afforded (or provided) in the event of a loss.
Keep in mind that your insurance covers not only the auto itself, but the bodily injury and property damage arising out of the use (or misuse) of that vehicle. What would happen to you if your vehicle were involved in a significant auto accident and you didn’t have the right coverage in place? In simple terms it could be financially devastating to you and your family.
At Covenant, we take the time to assure you are properly protected. Even if you are not insured with us currently please feel free to call to learn more about your auto insurance. We are here to help!
This blog is written in general terms and is not to be construed as professional advice. Check with your agent or insurance company to learn how your auto policy would respond in your given scenario.
I have been here for a long long time. I’m very pleased with my insurance company (Erie/Covenant). I will never have to get anyone else.
Great people. Always friendly. They treat you like a friend. Fast service.
You helped us save on our car and truck insurance, and we added our home insurance with you. We will have to pay one once a year. We have saved nine-hundred dollars. Thank you!
Cindy, I just wanted to take a moment and thank you for helping us with our last two transactions. You were so kind to call us while you were on vacation and we needed your assistance. Today with adding a new vehicle you made the process quick and painless!”
Dan was a great help to me. He took his time and went over all the changes that I needed to make. He explained everything to me and made sure that all my questions were answered. I have recommended Covenant to my family and friends.
I appreciate greatly the help you have given us. Never before have I seen an insurance agent go to such lengths to not only get our business, but to also understand our business and work together with us to protect our interests. You’re good people and we are happy to be a customer.
I have really enjoyed having Rob as an insurance man. His friendly and helpful attitude is always appreciated. When we moved into our new home and had a glitch, Rob went above and beyond to insure that we could move on time. I’ve never forgotten his “can do” for our family.
I really enjoy coming into Covenant and seeing Tracey. She is the best. Tracey is always smiling, courteous and very helpful. Everyone at Covenant is great
Covenant Insurance has been a great help to my business and family. We trust them to show us what we need and how to save money on our coverage.
Great service. Saved $750 by switching! Excellent coffee!