Is a buddy asking to borrow your car? Planning on loaning your car to a friend? Before you hand over the keys, you should probably ask yourself: does insurance follow the car or the driver in Arizona?
In Arizona, when you let someone else drive your car, you’re essentially loaning them your auto insurance. Want to know what we mean by that? Keep reading, as today’s blog post is going to cover everything you need to know.
So, does insurance follow the car or the driver in Arizona? Well, thanks to the “omnibus clause,” most auto policies will cover someone else driving your vehicle if they have a valid driver’s license. Usually, this clause applies to family members within your same household and dependent children living away from home. Of course, they must have your permission to drive first.
Under the “omnibus clause,” your insurance company will cover any damages that your friend causes while driving your car. Of course, those damages will only be covered up to your policy’s limits, and you are still responsible for paying the deductible and any additional costs.
Although you are technically covered, there are a couple of things you should confirm before loaning your car to a friend:
Additionally, we recommend assessing whether your friend is comfortable driving your car, whether they have experience driving cars like yours, and how long they plan on using it.
In Arizona, insurance follows the car. However, the points surcharged for any accidents caused will follow the driver. Regardless of whose car you’re driving, accident points will accumulate on your driving record, which will likely increase your policy rates.
If you have questions, contact your insurance agent to better understand your company’s accident surcharge guidelines.
So, does insurance follow the car or the driver in Arizona? As Phoenix’s top-rated car accident attorneys, we can attest that your insurance plan follows your car. However, navigating claims where someone else is the driver can be hard. Working with a skilled personal injury attorney helps to ensure you receive the compensation you deserve.
If you or a loved one is in need of a car accident attorney, look no further than The Law Office of Zayed Al-Sayyed. Utilizing our famous Aggressive Compassionate Representation, we diligently fight for the best outcome for our clients.
Contact our team for your free, no-obligation consultation today.