Am I Covered With My Parent’s Car In Washington
Reader’s Question:
My parents own three cars and I drive each of them once in a while. How would I know if I am covered under their car insurance here in Washington?
Orin
Bellevue, WA
These days, a lot of families own more than one vehicle because most family members are always on the go. Most families register each of their vehicles under only one name since car insurance providers normally check the driving record of the vehicle owner before selling car insurance policy. The other family members then become named drivers on the insurance policy and this procedure is legally accepted and could be able to save money on your premiums. To determine if you are part of your family’s car insurance policy in Bellevue, Washington and have sufficient coverage, here are some things to follow:
–You may ask every family member if your vehicles’ insurance is under one name.
–You may request the registered family member to inform your insurer to include your name in the policy.
–You may contact the insurance provider to verify that you name is included in the policy.
–You may obtain a copy of the policy and verify all the names and be sure that your name has been added properly.
–Examine the kind of coverage you have because in some instances, you could not be covered comprehensively.
–You should drive the car only after getting affirmation that you are included in the policy and make sure that you have a photocopy of the policy when you drive one of your vehicles.
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