I have full coverage car insurance with Grange, my grandson has only liability on his car with another carrier can he drive my car and be covered?

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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: Apr 13, 2013

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Insurance Question from Black Horse, OH

Asked on 04/13/2013

I have full coverage car insurance with Grange, my grandson has only liability on his car with another carrier can he drive my car and be covered? Full coverage with grange on my car, grandson has only liability with his car with another carrier is he allowed to drive my car and be covered?

Answer given on April 14, 2013

Auto insurance follows the car, not the driver, so your grandson will be covered under your auto insurance policy if he is driving your car. This will apply presming he is not excluded from your policy. It is unlikely that he would be excluded unless he lives with you. You should check with your insurance agent or company to confirm that unlisted drivers, or someone who might borrow your car, is covered.If he does have an accident in your car, your liability coverage will pay for any damage or injuries to the other party or their vehicle. Your collision coverage will cover your car, less the deductible. Your grandson’s insurance will not come into play for the accident.If he is not a listed driver on your policy, your rates will not be affected if he does cause an accident. However, his rates may increase on his insurance, since he would have a chargeable accident.

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