Car Insurance: What Drivers and Vehicles are Covered?

Car Insurance: What Drivers and Vehicles are Covered?

Are you also looking for what drivers and vehicles are covered?

If yes, then you’re at the right place.

Car insurance consists of two basic factors – what drivers and vehicles are covered. We have mentioned both points in-depth in this article. Thus, if you also want to know more about it, let’s begin the guide.

 

What Drivers Are Covered?

What Drivers Are Covered in car insurance

  1. Named Insured – Named Insured refers to a person/people named in the insurance policy. In the liability policy, all the named insured are covered regardless of what car they are driving.
  2. Spouse – No matter whether your spouse’s name is covered in your insurance, it will cover their expenses if they drive the car before an accident. However, if the couple is not living together anymore, insurance will only cover the spouse if named in the insurance policy. At the same time, the spouse would get the coverage even in this case if the other spouse is driving the covered car with the permission of the named spouse.
  3. Other Relative – If you’re a household relative of the insured person, you will also be covered after an accident. But, you need to be connected through blood relation, marriage, or adoption. The legal ward or foster child can easily get coverage in this situation.
  4. Anyone Driving the Insured Vehicle – If you’re driving the car with the permission of the insured person, then you will be covered. The thief won’t be covered if he has stolen the car because it happens without the owner’s permission. Likewise, if your teen kid has allowed his other teen friend to drive the vehicle, the insurance company will indeed argue over this point.

 

What Vehicles Are Covered?

What Vehicles Are Covered?

  1. Named Vehicle – Your vehicle will be covered if it is named in the liability coverage. However, a vehicle not named in the declaration will be covered only because the named insured was driving the car.
  2. Added Vehicles – If the insured person has replaced the insured vehicle with any other vehicle and owns additional vehicles during the policy period, they are all covered. In some policies, replacement or additional vehicles will be covered only if you have notified the company within 30 days of acquiring the vehicle.
  3. Temporary Vehicle – The coverage will be extended to any temporary cars not owned by you (the insured person). It could be a replacement or rental car if your car is in repair, service, or destroyed.
  4. Utility Vehicle – Almost all the policies cover the insured person for driving only some vehicles bigger than the normal passenger vehicle. It also has a limit. It covers the sport utility vehicle, pickup, flatbed, delivery, or panel truck up to a certain load capacity mentioned in the policy.

Bigger vehicles generally get coverage if they are mentioned in the individual policy of the insured person.

Also read: PIP or MedPay Car Insurance Claim Tips

The same is valid for the motorcycle. However, the policies generally don’t cover utility vehicles for business use.

 

Final Words

We have mentioned all the details related to what drivers and vehicles are covered in this guide. We hope you like this guide and that it helps you find all the essential information you seek.

 

Frequently Asked Questions (FAQs)

  • Does car insurance cover the driver?

Drivers get the cover regarding their medical expenses or for permanent disability due to the accident of an insured vehicle. Either the policyholder or their heir can receive the insurance benefits.

  • What should be covered in car insurance?

Car insurance should cover any damage caused to the car or driver due to any accident, riot, strike, malicious acts, earthquake, flood, storm, etc. It should also include theft and third-party liability. It should also cover the personal accident for the driver and reimburse their medical expenses.

  • Is It possible to claim the insurance even if someone else is driving?

Indian motor tariff permits any licensed driver the right to drive a car. Thus, you can freely lend your car to friends or family. You could claim insurance even if your friend or relative drove the car.

  • Is owner-driver car mandatory?

All Indians need to own a personal accident cover for the owner-driver. Thus, we hope you understand it is an essential step. However, there are certainly other types of insurance as well. They might help you in other conditions too.

  • Do the name and main driver have the same cover?

Yes, you will have the same level of cover as the main driver. It is better if the named driver is not the vehicle’s main driver. Named drivers must be careful with insurance fraud named as “fronting.”

  • What is not covered in vehicle insurance?

There are certain situations when you will not get any coverage from the insurance company. For example, they won’t cover anything for you in case of theft. They might argue in case permission is not granted too.

  • What are the three main types of car insurance?

Let’s have a look at three main types of car insurance:

  1. Fully comprehensive insurance
  2. Third-party insurance
  3. Third-party, fire and theft insurance
  • What does car insurance not protect from?

Car insurance will help you cover all the vehicle repairs, medical expenses, or damage after the accident. But, they will not cover your car maintenance or general wear and tear.

  • Can I drive someone else’s car if I have insurance on my car?

You can freely drive the other cars if your car insurance includes the terms you can also cause other cars. It generally occurs in third-party party coverage, even if you have a fully comprehensive policy.