Marietta | Kennesaw | Douglasville ☰ ˟
Hembree Insurance Agency
Marietta (770) 977-1818
 | Kennesaw (770) 565-9900
 | Douglasville (770) 942-3366
  • Home
  • Coverage Options
    • Auto
    • Business
    • Farm
    • Home
    • Life
    • Personal Umbrella
    • Workers Compensation
    • Nationwide Coverage
  • Get A Quote
    • Auto
    • Business
    • Farm
    • Homeowners
    • Life
    • Personal Umbrella
    • Auto-Owners Auto Insurance
    • Nationwide Home Insurance
  • Payment/Claims
  • Resources
    • Refer a Friend
    • Insurance Glossary
    • Inflation Impacting Auto Insurance Rates
  • BLOG
  • About Us
    • About Us
    • Our Locations
    • Employee Directory
    • Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Auto Insurance

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home Insurance

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Insurance

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
Farm Insurance

Farm

We browse through a wide variety of coverages and find the right one for you.

Learn More
Life Insurance

Life

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > Why Do Insurance Companies Need to Know Who Borrows Your Car?
FRIDAY, OCTOBER 30, 2020

Why Do Insurance Companies Need to Know Who Borrows Your Car?

a car driving down a street next to a tree

When you fill out paperwork to purchase a car insurance policy, you will be asked who will be operating the vehicle. This answer may be obvious to some: it’s your car, so obviously you will be driving it. But insurers ask this because drivers often don’t let the insurer know that someone else will be frequently borrowing the car. In these cases, the driver may wind up not covered for accidents they would otherwise be covered for.

Permissible Drivers

Permissible drivers are anyone you allow to drive your vehicle. They can be friends or family members who are occasionally allowed to borrow your vehicle. For example, if one of your friends asks to borrow your vehicle to go to work while their car is getting fixed after an accident, they should be covered under your car insurance policy. Permissible drivers are not necessarily listed on your policy but are given verbal permission to operate the insured vehicle. 

Named Insureds

You can also add other people to your policy by name. This can generally only be done for members of your household and should be done with great consideration. When you add another person on your policy, their driving record and credit score will affect the cost of your insurance. This is because they now add to the risk of insuring you. If you add a driver with a better driving record than yours, it can actually save you money on car insurance. If you add someone who has a poor driving record or low credit, however, you may see a spike in your car insurance.

Excluded Drivers

This brings us to excluded drivers. While insurance companies are lenient in some ways, there are still hard exclusions in certain areas. If you live in the same household as a driver who is considered “high risk” to insure, the insurer may only offer you a policy if you add this driver as an exclusion on the policy. This means that, if you allow the excluded driver to operate your vehicle, they will not be covered for damages or injuries they receive or cause. However, you will be covered under your comprehensive coverage if an excluded driver steals your vehicle.

Drivers are excluded to protect the insurer against financial loss in case they cause an accident while driving your insurance vehicle.

Get A Quote

Posted 1:05 PM

Tags: auto insurance, car insurance, hembree insurance agency
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020

  • auto insurance(12)
  • home insurance(11)
  • hembree insurance agency(8)
  • car insurance(5)
  • homeowners insurance(4)
  • business insurance(4)
  • general liability insurance(4)
  • commercial auto insurance(4)
  • workers compensation insurance(4)
  • hembree insurance(3)
  • commercial insurance(3)
  • business(2)
  • bop insurance(1)
  • collision coverage(1)
  • auto insurance rates(1)
  • owners(1)
  • policy(1)
  • theft(1)
  • bop(1)
  • exclusions(1)
  • preferred driver(1)
  • insurance(1)

View Mobile Version

Get In Touch!

Contact Us
Facebook Instagram Twitter LinkedIn Google Maps

Resources

  • Get A Quote
  • Request ID Cards
  • Payments & Claims
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog

Contact Us

Marietta Location
PH: (770) 977-1818

Kennesaw Location
PH: (770) 565-9900

Douglasville Location
PH: (770) 942-3366
© Copyright 2021. All rights reserved. | Powered by Insurance Website Builder