I can’t drive due to a recent stroke. I hired someone to drive me who is using my car. How does this work with my car insurance?
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UPDATED: Sep 15, 2020
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Check with your agent or auto insurance carrier prior to hiring the driver to see exactly what your policy provides and the cost to add an authorized user on your insurance policy. Any increase in premium will be influenced by the number of miles of anticipated usage (this is a major factor, if the driver only drives occasionally—maybe 15—25 miles per week, your premiums will probably remain the same), the driver’s age and driving record.
Given that, the next step is to ask your prospective driver about his or driving experience. Ask about any driving violations/accidents/infractions. Get authorization to check driving record. (If the applicant has received 4 speeding tickets and one injury accident, there is a high probability of having an increase in your auto premium.) Sometimes your auto insurance agent can obtain this information for you, but some states do not allow this.
Since the driver is using your personal car, you will be responsible for paying any damage in the event of an accident while driving your car. If you do not list the driver, be prepared to face the possibility of nonrenewal or cancellation of your policy.