Insurance Follows the Car, Not the Driver


  Most people don't fully understand their car insurance and exactly the way it
 works. Car insurance is tied to the vehicle not the owner. Even though the rate
 is partly based on the usual and customary driver of the vehicle, the coverage
 follows the car.

 For example, if you loan your car to a friend (anyone with permission), and they
 get into an accident, your insurance will pay the claim, not theirs. This is very
 important to remember for one main reason: the premium. Insurance companies
 raise your rates after an at fault accident. If your friend who borrowed your car
 is at fault in the accident mentioned above, your insurance will go up and could
 be in jeopardy of being canceled. You're stuck with the increase in premium as
 well as any deductible applicable to your policy.

 If someone uses your car without permission it's a different story; then you
 would not be liable for the damage. For example if your car was stolen and
 involved in an accident, you would not be liable.

 Be very careful of who you lend your car to as there can be serious
 circumstances that arise. If the person borrowing your car does not have his
 or her own insurance, be more careful. If he/she is involved in an accident and
 the claim exceeds your coverage, since he/she does not have a policy to go
 after, the injured party could come after you and your assets.

 Don't lend out your car or be extremely careful when doing so. You could be
 exposing yourself unnecessarily.
Auto                          BBH Insurance, Inc
Insurance                  
F A Q 'S
                                    Email us at: info@bbhinsure.com

AUTO INSURANCE FREQUENTLY ASKED QUESTIONS

PLEASE NOTE: These answers are for general insurance questions.  You
must contact your agent for answers pertaining to your particular situation.