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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Sep 4, 2018

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Insurance Question from Gales Ferry, CT

Asked on 09/04/2018

Auto insurance question If I let my nephew borrow my car and he gets in an accident, am I covered? Is he covered or just the car? He does not live with me.

Answer given on September 08, 2018

In most auto insurance policies a permissive user, such as your nephew, is covered while driving your car.  This would protect you in the event of an accident where another person’s car is damaged, or they are injured.  Any damage to your car would be subject to your deductible.

There are some auto isurance policies that are named driver policies only. This means that any driver who will use the car must be listed on the policy. If someone else uses the car and has an accident there would be no coverage.  You should talk to your insurance agent or company to determine what kind of auto insurance policy you have. You can also review your policy to determine which policy you have.  Most of the “larger” companies are the permissive user policy.  The policies written for drivers with tickets or accidents, or those considered specialty policies usually have the more limited insurance coverage.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

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