Car Insurance in Seattle Washington
Reader’s Question:
What does the car insurance cover me for exactly? I got my insurance in Seattle and I also want to know, does it cover any person who drives the vehicle or only the owner of the vehicle?
Jane
Seattle, WA
Auto insurance is supposed to protect a person from financial loss. Your insurance will cover you for the limits and coverages for which you are paying a premium. Besides the owner of the car, this coverage will extend to other individual diving the car – under certain conditions. First of all, in order to be covered, the individual needs to be driving the car with the permission of its owner. If the driver lives in the car owner’s household, in order to be covered, that individual will need to be listed as a driver on the car owner’s auto insurance policy. If the driver does not live in the car owner’s household and drives the car with any kind of regularity, in order to be covered, the driver will need to be listed as a driver on the car owner’s policy. If the driver does not live in the car owner’s household, does not drive the car with any kind of regularity (or frequency), and the driver is driving the car with permission, the driver should be covered to the extent the insurance provider permits in its underwriting guidelines.
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