Does a Second Driver in My Car Affect my Car Insurance Rate?
Reader’s Question:
I have an insured vehicle in Massachusetts. But because of my health condition, as of the present, I am not allowed to drive yet. Now, my sister is using my car. However, she is not named on my auto insurance policy. My question is, if my sister got involved (and I hope she won’t) in an accident would she be covered by my auto insurance company? Also, if she has a traffic violation using my car will it be put under my name? With that, will it cause my auto insurance rate to go up?
Lea
Haverhill, MA
I wish you good health Lea.
Now going back to your question, in general, auto insurance companies only cover a person if he/she is listed as one of the driver’s in your auto insurance policy. Since you’ve mentioned that your sister is not listed on your car insurance policy, then I am afraid but I think she is not covered by your insurer.
In addition, if she is cited for a traffic violation, you don’t have to worry because it will not affect your driving record at all. Said violation will be listed under your sister’s name. So with this, your car insurance rate will not go up because it is her traffic violation not yours. However, if you decide to file for a claim because there was a damage incurred on your vehicle because of your sister’s action, then your auto insurance rate might go up. This is because claims history is usually one of the factors that affect car insurance premium to increase.
To better help you with your inquiry, it is best to ask your car insurance agent in Massachusetts.
What Does Medical Payments Coverage in Arizona
Reader’s Question:
I am considering the idea of adding optional auto insurance coverage on my policy like Medical Payments Coverage. Correct me if I am wrong, but does this car insurance coverage mean that if I am involved in a car accident, my auto insurance company will pay for my medical bills? How about for passengers in my car? I am from Arizona if that would help you.
Georgina
Phoenix, AZ
Yes you are correct. In general, the medical payment coverage pays for the medical and even funeral bills if a policyholder is involved in a vehicular accident. In addition, even the passengers you have in your car are also covered by medical payments coverage. The amount that your auto insurance company will provide would depend on the limits that you have on that policy.
However, it would be best to check your car insurance policy to get a detailed description of the medical payment coverage. You can also ask your auto insurance agent in Arizona to better help you with your question. If you are shopping for auto insurance quotes in the state of Arizona, I would suggest trying the websites. It gives you faster results and also gives you the benefits of comparing auto insurance rates from different car insurance companies in a very easy manner.
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