One of the Biggest Questions about Auto Insurance is, “Who is covered?”

Sometimes when you are shopping for auto insurance it can be simple, and very cut and dry. If you are the only driver of one automobile, it is very simple. However, you may wonder about your auto insurance. Who is covered with your policy? If you have children who are approaching driving age, or if you lend your car to friends, you may wonder if they are covered under your insurance policy.

It is important to check with your insurance company if you will need to buy extra insurance when your children start driving with a learners permit. In some states, the car is insured, and anyone who drives the car is covered. However, in most states, companies insure the person, and not the car. Therefore, each additional driver will need insurance coverage.

If you go on vacation and have the need to rent a vehicle, you should check before hand if your personal vehicle policy will include any rental vehicles. In many instances, you will have to purchase the rental companies auto insurance. Who is insured under that policy? It is likely that with a rental company, you are only buying insurance for the main driver. However, in some cases, anyone with a valid driver’s license and over the age of 25 is insured, although they may have to register with the rental company prior to driving the car. It is very important to check the details of the insurance, in order to protect yourself.

Because auto insurance policies vary from state to state and company to company, it is so important to check with your insurance provider about your individual policy. You will want to be sure that you are aware of exactly who is covered with your policy and who is not, in case accident occurs.