Q: If someone borrows my car, are they covered under my auto insurance policy?
Yes, auto insurance coverage follows the vehicle, not the driver. Although, anyone who drives your car must typically be a licensed driver. Also, most companies require that anyone driving your car be doing so with your permission. Because these conditions can vary, make sure to check your policy or contact your agent as soon as possible.
Q: What is personal injury protection (PIP) coverage?
PIP coverage is the basic coverage that pays for your own wages lost, medical, hospital and funeral expenses, as well as those of your passengers and any pedestrians.
Q: What are the insurance implications when a child takes a parent’s auto to college?
Make sure your child is listed on your policy, and notify the insurance company that he or she will be taking the car to school. Auto insurance rates are based on a variety of factors, including where vehicles are garaged. Your rates may go up or down, depending on where your child goes to school.