I am not on my grandmother’s liability insurance and i was driving her car.. am i still cover??

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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: Oct 30, 2012

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Insurance Question from San Diego, CA

Asked on 10/30/2012

I am not on my grandmother’s liability insurance and i was driving her car.. am i still cover?? I was driving my grandmother's car in the high way.. when merged to my left lane and i hit a car.. my grandmother has liability... but iam not on her insurance..i have different insurance.. and i wanna know if her insurance amount goes up or what's going to happen

Answer given on October 31, 2012

In auto insurance, the insurance follows the car. So in this case where you were driving your grandmother’s car, her insurance will pay for the damages to the other car. If she had collision coverage, and the damage to her car is over the deductible, then her insurance will pay for that damage.Unlisted drivers are usually covered for such accidents, unless the policy is for named drivers only. Most standard insurance policies will not be a named driver policy. Your grandmother should check with her insurance agent or company to be sure there is no such limitation.If you have other insurance, and are not listed on your grandmother’s policy, her rates will not be affected by the accident. However, your rates could increase when your insurance company learns of the accident. You are not required to contact your agent about the accident, since they are not a part of the claim. However, they will probably find out about the accident when they run your driving record which is generally done once a year.

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