Living in Tuscaloosa, AL, often means embracing southern hospitality. You say “please” and “thank you,” and you’re always ready to help a neighbor or friend. This might even include letting someone borrow your car. But is that a good idea? Well, it depends on the type of auto insurance coverage you have, and our agents at Baldo-Downs Insurance LLC are here to help you understand your policy.
Understanding How Car Insurance Works
In Alabama, car insurance follows the vehicle, not the driver. This means your vehicle is insured, regardless of who is driving it. If you allow someone to drive your car, they are doing so under “permissive use.” They don’t need to be listed on your policy or have their own auto insurance.
However, you’ll want to ensure the person borrowing your car is a legally licensed driver. Beyond that, they will be covered under your policy.
Be Sure You’re Covered
If you plan to let someone drive your car frequently, it’s important to consider their driving habits and where they’ll be driving. Identifying potential “what if” scenarios can help ensure you’re covered, no matter what happens. This includes accidents as well as non-driving incidents, such as hail damage if your car is parked outside.
Review Your Policy
Don’t assume your policy automatically covers every situation involving another driver using your vehicle in Tuscaloosa, AL. Whether you let someone drive your car occasionally or regularly, it’s wise to discuss your policy and coverage levels with an experienced agent.
At Baldo-Downs Insurance LLC, our friendly and knowledgeable agents are here to help. Contact us today to review your policy and ensure you have the coverage you can truly depend on.
