Coverage in GA.

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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 3, 2012

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Insurance Question from Berkeley Lake, GA

Asked on 02/03/2012

Coverage in GA. My grandson is visiiting in Kentucky but is on my auto policy in Georgia. Is he covered to drive someone elses vehicle in Kentucky?

Answer given on February 05, 2012

Even though your grandson is out of state, your insurance will be valid for him in Kentucky. If he is using someone else’s car while visiting, they should check with their insurance company to see if he is covered while using their car. There are insurance companies who do not cover unlisted drivers. Since insurance follows the car, the other person needs to find out that there is coverage. If your grandson is renting a car, then your insurance will be the primary insurance unless he purchased insurance from the rental car company. Depending upon his age, the rental car company may require that he buy their insurance.In general, all insurance for a car in one state is valid in all of the other 50 states. If the liability limit you carry is not sufficient for the laws of the state you are in, your insurance will meet the mimimum requirements in the other state.

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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