There are times when a person might let a family member, neighbor, roommate, lover, or friend drive their car when asked or simply out of their own will. Some fail to consider the specifics of their insurance coverage when a returning child from college for a Christmas break suddenly borrows the family car to go to the mall with some friends. But is it ok to let a family member drive a vehicle that is not registered under his name?

Many people who apply for auto insurance do not know just how important it is to disclose all possible drivers of the insured car when getting quotes for insurance regardless if they will drive or not. It actually affects the extent of coverage which can have a chain reaction in case of an accident. Things must be clear regarding claims because insurance companies will only pay in accordance with the signed policy. (more…)