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Non-Owner Driver Auto Insurance Texas TX
Reader’s Question:
Would my car insurance provider here in Texas still cover me if someone else manages to get my vehicle involved in a car accident?
Miranda
Corpus Christi, TX
I presume you meant to ask if your insurance company will “cover’ for whatever damages or injuries incurred or inflicted in a car accident involving your vehicle being driven by another person. The answer to this depends on a few circumstances and I believe the best way to explain is to give some scenarios:
If the car is being driven by someone who is listed as an ‘occasional driver” or a “named driver” under your policy then it is possible for your auto insurance coverage to pay for liabilities arising from injuries or damages to properties. More so if you were in the car as well during the car accident. Treatment of Injuries to yourself and the driver may also be covered by your auto insurance policy. The coverage could also be extended if the person driving is living under the same household as you are.
If the car was being driven someone who is not listed under your insurance coverage, does not live in the same household nor has your consent to use the vehicle, Liability insurance should still apply and protect you from monetary obligations arising from damages and injuries caused by your vehicle. Up to the limitations of the liability insurance coverage clause, found under your policy.
Of course these are just generalizations and the best way to find out for sure is to get in contact with your car insurance provider there in Texas so they can provide you all the details.
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