Does My Insurance Cover Me on Someone Else's Car?
Many believe that they are covered under their own auto insurance policy when driving someone else’s vehicle. This is not the case. Whether driving a rental car or a co-worker or friend’s vehicle, the primary coverage is first covered by the vehicle being driven.
Does car insurance follow the car of the driver?
This is another common question asked of insurance companies in Ontario. In short, auto insurance coverage follows the car being driven first and not the driver. Provided that you have permission to drive the vehicle, that vehicle’s auto policy would the first to respond in the event of a property damage or bodily injury claim. This permission doesn’t need to be written and can be verbal. If for some reason there wasn’t enough coverage under that vehicle’s policy, there is a possibility that the driver’s policy could respond to the shortfall. There are many variables that should be considered such as the following:
If the driver is someone who is in the household of the vehicle being driven and has not been disclosed as a regular driver of the vehicle and not insured elsewhere, that person should be noted on the policy as such. If this isn’t disclosed to the insurer of said vehicle, there is a possibility that the insurance company may deny the claim for reasons of non-disclosure of a material change in risk that should have been rated for and charged premium.
There are other times when a particular driver may be specifically excluded by way of a 28a exclusion form and therefore is not covered under the policy in the event of a liability or DCPD claim. Keep in mind however, that this may not the case for accident benefits coverage. There is a possibility that this coverage may still respond in the event of an auto insurance claim.
If you have any other questions concerning what your auto insurance policy covers, please feel free to call Kyle Wijnands at 519-393-3246 so that he can answer your specific question. To get an auto insurance quote now, please click the link below. Kyle can them follow up with you shortly to see if there is anything else that can be done to get you cheaper and better auto insurance.
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I have my car insurance with Tradition Mutual Insurance and am very pleased with the rates as well as the service I have experienced. Kyle will be sure to provide you with excellent customer service answering any question you may have thoroughly and honestly. He has excellent communication skills and does well to ensure that your insurance needs are met and exceeded.
Kyle found me a much better fit for my auto insurance for a cheaper price and was very easy and pleasant to work with! Kyle was very prompt and responsive and never pushy or sales-y. Super great to work with!"
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