In New York state, auto insurance follows the car. If you give a friend permission to take your car to the store and he is involved in an accident, coverage will be based on the policy for that vehicle – not the driver.
Insurance companies require that policy holders declare all drivers in a household, and it can cause problems in the event of a claim if a household driver was not disclosed to the insurance company. After the insurance pays the claim, the company may have the right to cancel the insurance on renewal because the policyholder misrepresented himself when applying for coverage.
Watch this video “Does My Auto Insurance Pay If Someone Else is Driving My Car?” for more details:
Welcome to The Murray Group Solution Center
This is video #80 of a 100 insurance video series that The Murray Group is producing to provide insurance consumers with quick, valuable answers to their everyday insurance questions.
If you have additional questions regarding auto insurance or if you would like to discuss and receive a quote for a auto insurance policy, use the link below:
Contact Murray Group Insurance Expert
If you prefer to call, our office number is (518) 456-6688.
You can also connect with The Murray Group on The Murray Group Facebook Page.
If you are not quite ready to contact us about your insurance but enjoyed and/or found the information in this post useful, we would very much appreciate you posting a review on Google, Yelp or Facebook.
Disclaimer: This article is for informational purposely only. There is no legal advice being suggested or proffered and the author assumes no responsibility or liability for the actions taken or not taken by the readers based upon such information.
created by Ryan Hanley