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Before loaning your car to a relative or friend this summer, make sure they’re covered under your auto insurance. Talk to your Pizano Insurance agent in Wayzata, MN about insurance coverage for other drivers who may be borrowing your vehicle during the summer months. The following guidelines can help you determine what kind of auto insurance protection you have when you loan out your car.
Live-In Family Members
If you loan your car to family members who live with you, they will be protected under your auto insurance. Typically, members of your household receive the same auto insurance protection that you do when driving your car. If they’re going to be driving your vehicle on a regular basis, they may even be required to be listed on your policy. Before loaning your vehicle to another driver, make sure they have a valid driver’s license.
Extended Family
Visiting relatives who borrow your vehicle will also be covered by your auto insurance policy, as long as they have a valid driver’s license and you have given them permission to drive your car. If your aunt, uncle or grandparent will be staying for the summer or longer, you may want to add them to your policy.
Friends
If your friends have permission to drive your vehicle, they, too, will be protected by your auto insurance. This includes trips to the store, shared driving for commuting to work or road trips, etc. You should be aware, however, that other drivers may have lower coverage amounts than what’s stated on your policy, especially when it comes to liability protection. By limiting vehicle use to safe drivers, you reduce the risk of accidents when loaning out your car.
For quality auto insurance to protect you and your loved ones on the road, contact Pizano Insurance, Wayzata, MN.