Reader’s Question:

I have a full coverage in my automobile in Honolulu Hawaii. What will happen if I allow someone who is uninsured to drive my car? Will he be covered on my car insurance in case of an accident?

Patty

Honolulu, HI

Car insurance policies differ so it would be up to the terms of your auto insurance policy if the person who borrowed your vehicle will be covered or not by your car insurance policy.

Generally, most auto insurance policies will be extended to persons that you allow to drive your automobile. If however that individual resides in your household then normally they would have to be added on your car insurance to be covered and if you let someone borrow your vehicle to a friend for an extended amount of time or the individual operates your vehicle on a regular basis they may need to be listed your car insurance policy as an occasional driver.

To know for sure what coverages from your car insurance policy in Honolulu Hawaii would extend to those you allow to operate your automobile, read over the specifics of your car insurance policy. You may also talk with your insurance carrier regarding this. Your car insurance agent will be able to inform you what coverages extend to others that operate your vehicle and what would happen if another driver driving your car was in an accident.

Tags: auto insurance