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.


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