What Does Your Any Driver Car Insurance Cover?

While it can be tempting to loan your car out to someone else, it’s not always a good idea. It all depends on whether or not you have ‘any driver car insurance’ and what it actually covers. Sometimes, you just don’t feel like going to store or taking your teenager to the mall to shop for awhile. It’s much easier to hand the keys over to another family member or a friend so they can drive your car to take care of the errands for you.

The problem is if your auto insurance plan does not cover the other driver, you could run into some serious problems. Any driver car insurance can mean different things for regular auto insurance. You don’t want to find out after the fact that your insurance will not pay out if the person you let drive is involved in an accident.

Before you allow anyone to drive your vehicle, know exactly what type of insurance you have and who it will and will not cover. You can ask your insurance agent if you have any questions about your coverage. Any driver car insurance can be a little more complicated than you might think.

If your insurance company determines that you allowed someone to drive your vehicle that was unfit or untrustworthy, the company can choose not to pay and they can even cancel your insurance policy on the spot. If you have a special situation where you need someone else to drive you around, you may need to add them to your policy.

The one type of insurance that you don’t have to worry about is roadside assistance. The type of coverage you choose is self-explanatory so you don’t have to worry about making a mistake that could end up being very costly. The individual plan covers the person taking out the policy while the vehicle plan follows the vehicle assigned to the policy.

In other words, if you have the roadside assistance vehicle coverage, it doesn’t matter who drives the vehicle. If the driver ends up locking the keys in the car or if they have engine problems and your plan covers towing and lockout service, they can get assistance.

Your vehicle is a big investment so you need to make sure you have the best coverage possible and that it does cover someone else before you let them drive. Just because you have any driver car insurance on your auto policy, it doesn’t mean that it will cover any driver.