Am I insured under my sister’s car insurance policy?

She told me that I could drive her car while she is out of the country. I fell asleep at the wheel and damaged both my sister’s car and 2 parked cars.

Asked on June 28, 2017 under Accident Law, Virginia


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 3 years ago | Contributor

You probably are not insured unless she notified the insurer that you were going to be a regular driver of her vehicle. While someone can once-in-a-blue moon let a friend or family member drive their car, anyone who will regularly drive it must be listed as a permitted or regular driver (and the insured--i.e. your sister--will probably have to pay a premium increase for adding a driver, since that increases the risk (more drivers = more risk)). If you were using your sister's car while she was out of the country for any length of time, she likely needed to notify the insurer that you'd be driving her car and have them add you to the policy. Her failure to do so may let them deny coverage.

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