Can someone else drive my car under insurance in Georgia?
In Georgia, if your car is involved in an accident, your insurance will typically cover the damages as long as the driver had your permission to operate your car or was listed on your auto insurance policy. Therefore, if someone else drives your car without your permission, they will not be covered by your insurance. It's important to note that this applies only to Georgia and may vary from state to state.
Driving a car not insured under your name
If a friend or family member has an accident in a car that isn't insured, your insurance will typically be used to cover the damages, provided you have given the driver permission to use your vehicle. if you have specifically denied that driver permission to use your car, your insurance may not cover the damages.
Does insurance coverage follow the car or driver in Georgia?
In Georgia, insurance coverage usually follows the vehicle rather than the person driving it. This means that if you are involved in an accident while driving someone else's car, the owner's automobile insurance will be the primary source of compensation, rather than your own insurance policy.
Driving another person's car
If you want to drive someone else's car, you may need to be added as a named driver on their insurance policy or have a family or any driver car insurance policy. This is because "Driving Other Cars" (DOC) insurance is not typically included as part of a fully comprehensive policy.
What does car insurance protect against?
Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. It provides coverage for property damage, such as damage to or theft of your car, and liability, which is your legal responsibility to others for bodily injury or property damage.
Can you drive another car on your insurance if the other car is uninsured?
In order to drive another car, it must be covered by an existing insurance policy, and you must have permission to drive it. Most insurance companies offer "driving other cars" coverage, but it is usually only available on a comprehensive car insurance policy.
What damage is not covered by car insurance?
Car insurance typically does not cover intentional damage, general maintenance, or damage caused by normal wear and tear. Additionally, minimum car insurance coverage may not cover the policyholder's injuries or vehicle damage, only providing liability insurance to pay for injuries and property damage caused to others.
What are the different types of car insurance?
The three types of car insurance that are universally offered are liability, comprehensive, and collision insurance. Other types of auto insurance coverage, such as personal injury protection and uninsured/underinsured motorist coverage, may also be available in certain states.
Can anyone drive your car if it's insured?
In most cases, your car insurance coverage should extend to anyone else driving your car with your permission. This means that if you lend your car to a friend, family member, or even a distant relative, your insurance will likely cover any damages in the event of an accident.
Can a garage drive an uninsured car?
If a car is uninsured, you cannot legally drive it unless it is covered by an insurance policy. If a garage drives an uninsured car, they must use their garage plates to cover the insurance, but they cannot allow you to drive it on their plates.
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