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Home Finance

Are You Covered if Someone Else Drives Your Car?

Wilfred Shah by Wilfred Shah
May 5, 2021
in Finance
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Human beings come with an inherent ability to share commodities and help each other out. A similar situation can be faced when a friend, family member, or a person you are close to needs to borrow your car. The necessity could be casual or urgent, but the fact is that in most cases, you are bound to lend your car.

If that is the case, have you ever wondered what will happen if your car meets with an accident while being driven by someone else? While most people are not aware of the insurance coverage they are entitled to in these matters, keeping yourself informed is the least you can do as a starting measure.

If you are someone situated in Ontario, this article has got all your needs covered. As you explore more details, you will come across all the options to compare car insurance in Ontario and grab the most efficient deals.

Does automobile insurance get you covered for this situation?

There are a large number of coverages that come under any car insurance. But whether your insurance company will cover you if someone else is driving your car can be a big question. Well, the plain simple solution to this would be to weigh your choices carefully before deciding on a particular insurance scheme for your car.

However, an important fact here is to understand who is precisely at fault in the face of an unprecedented situation. In all cases where the other party, vehicle, or driver was at fault, your insurance policy will have the damage covered no matter who the driver was in the situation.

But the problem arises when the person driving your car is at fault. This is when you have to make sure you compare car insurance Ontario-based options in great detail. Some insurance companies will provide coverage to authorized drivers. In this event, an authorized driver is regular and drives your car frequently, as suggested by a letter of authorization with due verification by the vehicle owner.

But if matters are taken very casually, and you give your car to anybody from your family or a friend who is not technically authorized to drive the vehicle, it can lead to a problem. These are the cases when you have to bear extra expenses and an extra load on your pocket.

Will there be any exceptions to coverage?

Every rule and law comes with one sense of constancy— an exception. Let us now look at some of the exceptions to the cases where your insurance coverage will not work.

  • Suppose you exclude a particular driver from your insurance document due to any reason you consider appropriate. Here, if the driver who has been specifically removed from the policy meets with an accident while riding your car, the insurance coverage will not be applicable.
  • In case of stealing or borrowing the car without your permission, your insurance policy will not cover any damage that the car suffers in the presence of another driver, provided the driver was at fault. This is because the insurance policy was meant only to cover the owner or any authorized person driving the vehicle with the owner’s knowledge.
  • If the driver does not have a valid license or is underage, the consequences can be strict. Not carrying a license while driving someone else’s car or underaged driving are equally punishable. The case of insurance coverage here cannot be taken into consideration.

Looking for the best places to compare car insurance Ontario-based options? Search no more as My Insurance Broker is the complete solution to Compare Car Insurance in Ontario and for all your insurance-based needs.

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