Auto insurance helps keep you safe on the road and ensures that you are covered if an emergency happens. You must read the terms of your policy carefully. A few scenarios may impact your policy, such as getting involved in an accident while driving someone else’s vehicle.
Many drivers automatically assume that their insurance covers them if they drive someone else’s car. This is incorrect. Driving Other Cars (DOC) coverage is not automatically included in comprehensive auto insurance policies. Driving Other Cars is a policy that allows you to drive another person’s car without being officially named as a driver in their policy. Many insurance companies exclude young drivers. If you are considered a young driver, consider asking the person to officially name you as a driver on their policy or seek temporary cover. Do some research and assess your options. You may be able to find a company that does not place an age restriction on specific driving benefits.
Does Your Car Insurance Cover Other Cars?
Contact your insurance company. Do not assume that the coverage is already in place. In rare cases, an insurance provider may add DOC coverage to your policy. Make sure that you have a clear understanding of your policy before you start driving.
How to Add Another Driver to Your Auto Insurance
In order to qualify for DOC Coverage, you have to meet a few requirements. Most insurance companies mandate that you are over 25 years of age at the start of coverage. You should also have comprehensive auto insurance. The other vehicle that you plan to drive should also be covered. Your vehicle should be in drivable condition. Your certificate of motor insurance should outline that you have the DOC extension. It’s important to note that you cannot be employed in the automotive industry. If your job requires that you drive many other cars, you will not be eligible for coverage.
What Is the Purpose of Drive Other Car Coverage?
DOC is designed to protect you in the event of an emergency. You can rely on the coverage if a loved one is injured and they need you to transport them to the hospital. If you are involved in an accident, DOC will only cover the damages to the other vehicle. You would be responsible for any damages caused to the vehicle that you are driving. If your loved one has added you as a named driver on their policy, you will be fully covered under their insurance. While DOC is considered a low level of coverage, it is very beneficial in certain situations.
Make Sure That You Understand Everything
You need to ensure that you have DOC coverage before you start driving. Contact your insurance company and the certificate of motor insurance before you hit the road. If an accident occurs and you are not protected through DOC coverage, your license will be docked in a significant manner. If you are a young driver, you could possibly lose your license. You’ll also be sending a red flag to insurers. Many companies may opt to deny you coverage. At the minimum, you can expect your premium to increase. If the accident was very serious, you could face a fine and other legal charges. You’ll be labeled as a high-risk driver, which is tough to break free from.
What If You Are Not Eligible for DOC?
If you are not eligible for DOC coverage, you still have options. You can simply ask to be included in the policy as a named driver. If the arrangement is on a short-term basis, they can add you as a temporary driver. You can add coverage for a week or a month. You also have the option to purchase a temporary insurance policy. You can find coverage for as little as one day.
Driving is unpredictable. It’s important to make sure that you are protected in any situation. Adding DOC coverage can protect you if you have to use another vehicle. The experts here at Pittman Insurance Group, LLC will guide you through the process and make sure that you find the right auto insurance policy.