Your auto insurance policy protects you from financial losses in case of an accident. An insurance agent, such as Heydari Financial Group in Houston, TX, may help you find the auto insurance policy that best suits your car and its needs. If you do not understand the amount of coverage it offers, they may offer you help.

Who Is Covered When Driving Your Car?

Understanding exactly who is covered when driving your car can be difficult because different insurance providers have different policies. However, all members of your household are covered when driving your car. They could either be your friends, roommates, or family that lives with you.
If you allow friends or family members that do not live with you to use your car, and they get into an accident, your auto insurance will cover the claim. Your auto insurance policy would not cover you if a friend or a family member were driving your car without your permission. In such situations, they may have to use their own insurance.
It is a good idea to include everyone that may use your car in your policy. Your auto insurance policy is for your vehicle and not for you. This means that in most cases, you will receive compensation even if you were not driving the car at the time of the accident. The only time when your auto insurance coverage won’t cover the claim is when you have excluded a friend from your policy, or if the friend that was driving your car did not have permission and is uninsured. If your friend was unlicensed or driving intoxicated, you could be held liable.

Contact Heydari Financial Group in Houston, TX to discuss a new quote for auto insurance. Our agents are ready to help you get started with a policy.