can my grand daughter drive my car if not on title or ins policy and still be covered on my ins

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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: Feb 9, 2015

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Insurance Question from Hertel, WI

Asked on 02/09/2015

can my grand daughter drive my car if not on title or ins policy and still be covered on my ins NULL

Answer given on March 08, 2015

If your granddaughter occasionally drives your car, she will be covered under your policy as a permissive user. If she causes an accident in your car, your insurance will be responsible for any damage or injuries sustained in the accident. If she has not been listed on your insurance up to that time your insurance company may request information about her. You can explain she is only an occasional operator of the car.However, if she lives with you or is a regular user of your car, then she does need to be listed on your car insurance as a driver. Her age and driving experience can cause your insurance rates to go up if you add her.If she has her own car and insurance, she does not need to be added, even if she lives with you, since she is paying insurance for herself on another insurance policy.

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