Reader’s Question:
I have insurance for my car here in Austin, Texas but I’m wondering if I should trust a friend to use it since I’ll be leaving the country for a while? Should I ask him to get Insurance for himself or would my car insurance coverage be enough?
Rudy
Austin, TX
It is highly recommended that you ask your friend there in Austin, Texas, to get a non owners auto insurance before considering leaving our car under someone else’s care or use. Although most would think one insurance policy would be enough one can never be too careful. If your car gets involved in an accident and the damages accumulated exceeds what’s covered on your auto insurance policy then your friend’s non-owners coverage will fill in for the rest. This should save you from the frustration and hassles, not to mention thousands of dollars worth in potential savings, of not having additional insurance coverage for an incident you weren’t even involved yourself.
It is important to note though that even if your friend is covered by a non-owners insurance policy, it is still your auto insurance policy that will take effect first and take care of all the damages incurred under the coverage. Once these damages or liabilities exceeds what’s covered under your policy then your insurance company can have your friends non-owners auto insurance provider fill in for the remainder of the costs. These would include coverage for liabilities, Payment for medical bills incurred as well as coverage for you if the motorists involved in the car accident are under insured or uninsured.
Tags: auto insurance, non owner’s auto insurance
