You can lend your car to anyone in Quebec who has a valid driver’s license. However, since no one is immune from a traffic collision, it’s a good idea to understand how vehicle insurance works.
Can someone drive my car if they are not on my insurance in Quebec?
Others are allowed to drive your automobile in Québec if you have personal car insurance. You must give permission to the person to whom you lend your car. They must also have a valid driver’s license and be lawfully operating your vehicle (not for racing, for example).
You may or may not be paid if the individual renting your automobile causes an accident. This is determined by the coverage included in your policy:
- You’ll be paid for the damage if the driver isn’t at fault. This is true even if you merely have liability coverage and no collision protection.
- You’ll only be compensated if you have collision coverage for damage to the insured car if the driver is at fault.
Last but not least, regardless of whose insurance would pay out in the event of an accident in Québec, the accident will always be filed under the driver’s personal claims file (not the car owner’s). In any event, always make sure the individual borrowing your automobile is a safe driver before renting it.
Compensated or not?
Yes, but your reimbursement will be determined by the provisions of your insurance policy.
- Even if you only have liability coverage, you will be reimbursed for the damage suffered if the driver is not at fault.
- Only if you have coverage for damage to the covered car will you be compensated if the driver is at fault for the collision.
Endorsement 27: coverage for damages to the vehicle not owned by the driver
If the driver is at fault for the collision and has included endorsement 27 in their vehicle insurance policy, they may be able to file a claim with their own insurer.
In this instance, you have the option of filing a claim with your own insurer or requesting that the motorist submit a claim with their own insurer.
It’s worth noting that regardless of whatever insurance pays out, the accident will be recorded in the driver’s personal claims file.
Can someone else drive my car and be insured?
In most cases, yes your automobile insurance should cover anyone else who drives your car.
Consider this: car insurance usually follows the vehicle, not the driver. As a result, whether you lend your automobile to a closest friend, sister, or even second cousin, your insurance will most likely be the one to pay in the event of an accident. This implies that even if your buddy, sibling, or cousin has the best coverage, your auto insurance would normally cover the losses if they were at-fault in an accident while driving your car.
Can you let someone drive your car?
CAN SOMEONE ELSE LEGALLY DRIVE MY CAR? Yes, to put it succinctly. If you let someone else drive your car, they will be covered by your car insurance coverage as long as they meet a few requirements.
Can I borrow my car to a friend?
When you let a friend, family member, or babysitter borrow your car, your insurer assumes main responsibility for the vehicle. Your insurance covers your vehicle, even if the person borrowing your automobile has the greatest coverage available. In some cases, the borrower’s insurance may be able to provide backup coverage.
Can I drive my friend’s car if I don’t have insurance?
To drive someone else’s automobile every now and then, you don’t need your own car insurance policy. If you frequently drive someone else’s automobile, though, you should look into non-owner car insurance. Kara McGinley works at Policygenius as an insurance editor, focusing in house, vehicle, and renters insurance.
Who can drive my car under my insurance in Ontario?
In Ontario, are you wondering who can drive your automobile under your insurance policy? “Anyone with a valid license and your consent,” is the short response. The longer answer, on the other hand, discloses a number of details you should be aware of before handing over your keys.
How does insurance work if someone borrows your car?
Your car is covered by your auto insurance coverage if it is involved in an accident while being driven by someone else. A popular misconception is that if a buddy borrows your car and has insurance, their coverage will cover any damage to your vehicle. That isn’t the case at all.
Your insurance policy will cover any at-fault losses if a friend borrows your car and causes an accident. “Automobile insurance follows the car, not the driver,” is a good rule to remember in this case.
However, you should make sure that whomever drives your automobile has their own insurance policy. In some cases, their coverage may be able to help pay for damage caused by an at-fault accident.
- If someone borrows my car and damages it in an accident, would my insurance rates go up?
- Will it affect my auto insurance price or policy if someone else drives my car and receives a ticket?
Can my son drive my car if he is not insured?
Driving without auto insurance is unlawful in California. At least $15,000 in bodily injury insurance per person, $30,000 in bodily injury insurance per accident, and $5,000 in property damage insurance are required of all licensed drivers. The 15/30/5 rule is what it’s called.
It’s important to remember that insurance follows the vehicle, not the driver. If a buddy drives your car and has an accident, you will be responsible for paying your deductible, and your insurance premiums may increase.