Say your Aunt is going on a Caribbean cruise for two weeks and she's given you permission to drive her car during this absence. You're excited by this prospect because you are currently between vehicles and this will give you an opportunity to get a lot of errands done. Yet, you're wondering, should you be driving someone else's car? What if something were to happen?
There Is Risk Involved.
Anyone who ever gets behind the wheel of a car is taking a safety chance. Accidents, unfortunately, happen all of the time, sometimes through no fault of your own. The question at hand here is: If you experience a collision while driving a car that is registered to someone else, who is at more of a financial risk, you or the vehicle owner?
- As far as damage to the car is concerned, the insured owner is almost always responsible.
Few people realize the fact that auto insurance follows the car and not the driver. This means that even if you're insured, if you accidentally cause damage to occur to another insured person's vehicle, that person still has to file the claim and pay relevant deductibles. Also, the owner's insurance rates will escalate (if the driver is at fault), no matter who happens to have been driving the car at the time of the accident.
- Certain insurance policies dictate exceptions as to who is covered and who is not.
Before driving anyone else's car, it's good to know if the owner's insurance policy contains coverage specifications. It is possible to buy and maintain a policy that only covers certain individuals who might be driving the vehicle. In some cases, it is even possible to exclude particular people from being covered under a policy. These people may be certain family members who have particularly bad driving records.
Make Sure That You Really Do Have Permission.
In the case of this fictional Aunt (or any other family member), this may seem like an awkward thing to do, but it would benefit you to get a signed letter stating that you are allowed to be driving the car. If it can be proven that you've driven the car without permission, the owner of the car will not be liable for any damage done to the car in the event of an accident. Of course, you would never take your aunt's car without permission, but you know how forgetful she can be...
When It's Time to Get Your Own Wheels
If you're tired of having to rely on borrowing a car to get from place to place, maybe you should consider making the leap into a vehicle that you can call your own. Worried that your credit will keep you from getting financed? Don't be! Here at Auto Credit Express, we work with people who have less than perfect credit every day. We can help you regardless of what your financial history looks like. Just fill out our simple and secure online application to get started, and we will find the dealer who can work with you right away!