Inside Out Blog

Do Not Get Caught with the Wrong Auto Insurance


If you sometimes lend your vehicle to a family member or friend, you should take the time to ensure that you have the right kind of insurance. If he or she gets into an accident, you may not be covered by your auto insurance. 

Check with your insurance agent to find out if you have a family policy or a named insured-only policy. A family policy usually covers any relative in your household, along with any other person to whom you have given permission to drive your vehicle. A named insured-only policy, in contrast, covers only the driver named in the policy. This type of insurance is cheaper than a family policy, often up to 15% less expensive. However, if you lend your car to a family member, friend, child, or even your spouse, any accident would not be covered.

Once you know what type of insurance you have, you can decide how to handle requests to borrow your vehicle. If you do have a named insured-only policy, never let anyone else drive your car. If you sometimes do let others use your vehicle, you should switch to a family policy, even if it does cost more. The risk of an accident that is not covered is not worth the small savings.

At Edgewater at City Center Apartments in Lenexa, Kansas, nothing is more important to us than your health, happiness, and overall well-being. We offer these informative blogs as a way to enhance your lifestyle beyond the scope of physical features and services we provide in our beautiful and welcoming community.

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