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:
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created by Ryan Hanley