Reader’s Question:

My son recently moved in with his friend in New Britain, Connecticut and is obtaining his own automobile insurance. If he allow his friend to operate his vehicle and his friend is not on his car insurance policy and gets into an accident, will his car insurance cover the accident?

Paulo

New Britain, CT

Typically auto insurance follows the vehicle first and driver will be secondary. So if your son allows the friend to operate his car usually that person is covered by his insurance, unless he specifically excluded his friend on his car insurance policy.

However, if your son lives with his friend, in the same household in New Britain, Connecticut, normally, car insurance companies require all household members to be on the car insurance policy unless the friend is specifically excluded. So basically if your son lives on the same house with his friend he will need to tell his insurance company about this, otherwise if his friend gets into an accident while driving your son’s vehicle, his car insurance may not cover the accident. It is advisable that your son contact his car insurance company to make sure so that his friend will be properly covered while operating your son’s vehicle.

Tags: auto insurance