An automobile does not have to have a single driver. Are all the different drivers covered, if that particular car carries the coverage provided by an insurance policy? This article makes an effort to answer that question.
What drivers can be covered by a single insurance policy?
The driver named in that same policy enjoys full coverage. That named individual is usually the head of the household, when a family has purchased automobile insurance from a specific insurer. The spouse of the person named in the policy also enjoys complete coverage. That provision applies as long as the same spouse is living with the policyholder. An end to that marital arrangement would bring an end to the coverage enjoyed by the divorced or separated spouse.
Injury Lawyer in Barrie knows that any relatives living in the home of the policyholder are covered, if and when they decide to drive the policyholder’s insured vehicle. If the policyholder would like some other occupant to enjoy such coverage, then that particular individual should be named in the car insurance policy.
Suppose that the policyholder has found it necessary to seek someone else’s assistance, and that same person can only help by driving the insured vehicle. Can that assistant be covered? Yes, if the policyholder has granted him or her permission to operate as the vehicle’s driver.
What vehicles could be covered by a single insurance policy?
Any vehicle owned by the policyholder, and also named in the same policy would be covered, each time that a covered driver sat behind the steering wheel. If the policyholder were to purchase an additional vehicle, then the insurance company would need to be made aware of that fact, so that the new set-of-wheels could be added to the existing policy.
At some point the policyholder might decide to trade-in an old automobile and purchase a new one. In that situation, the replacement would be covered by the existing policy. Some insurers would guarantee such coverage for only 30 days. Then the original policy would have to be changed, in order to account for the policyholder’s new purchase. Suppose that the policyholder needed a temporary replacement; would that be covered? It should be, unless the policy has placed some restrictions on the size of any covered replacement. Some insurers refuse to cover vehicles that are far larger than the one named in the insurance policy.
Suppose the policyholder’s friend had loaned him a motorcycle, which could be used as a temporary replacement. Would that be covered by the purchased policy? It might not be covered; some insurers insist that any motorcycle be mentioned in the policy, if the buyer of that same policy wants coverage for that particular, two-wheeled vehicle.