Vehicle insurance: What happens if someone else drives my car and has an accident?
It is definitely a situation that we must avoid at all costs or for which we must be informed in advance. When purchasing vehicle insurance, we do it because we are aware of the thousands of dangers on the streets and we want to be prepared to respond in any case.
To determine the cost of this insurance
To determine the cost of this insurance, different elements are taken into account, including the model of the car, the year of seniority, the type of protection requested and also the driver’s profile. Factors such as age are determining factors to understand whether it is a risky driver or not.
It is done under those conditions
Then, once the policy is issued, it is done under those conditions. In this sense, the insured can indicate to the insurer that there will be another driver driving the car normally and consult the options to include it in the policy. This is usually done by parents who share a car with their children.
But what happens if a new driver drives the car and gets involved in an accident? In this case, some insurers evaluate the driver’s risk profile to verify if it is the same as the driver, but others have a more rigid policy and decide not to recognize it.
The corresponding inquiries when purchasing your insurance
Ideally, in this case, you should make the corresponding inquiries when purchasing your insurance, to avoid any problem. This must be specified in the conditions of your policy, so now you have one more reason to give it importance and read it.
Now, if you find yourself in an emergency situation without being able to drive your car, remember that a benefit included in many insurances is that of a replacement driver, for which your insurer sends someone who can drive your car and get you safe and sound .
So, if you still don’t have your insurance, what do you expect to compare the alternatives and protect your car this holiday start of the year?