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What Are The Things Covered By An Online Auto Insurance?

Having the minimal auto insurance is required by law to drive a car in most states. Shopping for online auto insurance is the best way to get the most inexpensive auto insurance on the market but also to insure that you remain compliant with the compulsory auto laws. Compulsory auto laws are those that were enacted for minimum car insurance coverage. It involves collision insurance. Collision insurance is coverage that pertains to physical damage as well as bodily injury that occurs in an accident. Being compliant means that you not only carry the proper insurance but you have the minimum liability coverage required.

Each state sets their own auto insurance laws and the minimum coverage limits. Collision insurance can be presented in two different ways. Either way, you can have a combined liability policy or a split liability policy. A combined liability policy is one where physical damage and bodily injury are both under the same policy. A split policy means that there are two separate policies one for physical damage and another for bodily injury. Insurance can be very confusing, making sure you are completely covered is not always straight-forward and leaves the average consumer with many questions about their own coverage, or that of their family members.

There are times when there is a need for others to drive your car. When a friend or family member gets behind the wheel of your car, you may be wondering whether they are covered by your insurance. Likewise, if you chose to step behind the wheel of someone else’s car, are you covered through their insurance?

The general rule is that if a car is insured through its owner, anyone who gets behind the wheel of the car, who has a valid driver’s license, is covered on the car insurance. That means if someone drives your car, and has a driver’s license, they would be covered in the same manner as you are. In turn, if you drive another’s car, you are covered under their policy. It is imperative, however, if you step behind the wheel of someone else’s car that you know for sure that they have insurance on it. Although you trust your friends, making sure to have a copy of the insurance is a good idea, just for your own security. Finding out that they let the policy lapse, or it is not current is not something that you want to do.

The only exception to the rule is when a family member or someone who lives at the same residence as you drives the car. If they reside in the same place, they must be added as a driver to the insurance to be covered under your insurance. If they are not personally named under your policy, they will not be covered should anything happen. If you are worried about getting the best price possible on your auto insurance or that you are compliant within the laws of your state.

Take the time now to scroll to the top of the page and input your zip code within the box. In minutes, you will receive a free rate quote that will not only insure you are compliant within the law but that you are paying the lowest price possible for your auto insurance needs. Being able to add family members through your online auto insurance is the best way to keep your coverage current and the driver’s protected.