Will My Full Coverage Car Insurance Policy Cover All Vehicles I Drive?

 

Reader’s Question:

I currently have full coverage on my vehicle and I went to test drive another vehicle that is not covered. My question is, will my insurance cover it if I were to have an accident? I live in Everett, Washington.

Liv

 

Everett, WA

Typically this would not be covered under your auto insurance policy in Everett, Washington.

This would be covered under the used car’s owners policy or used car dealer’s policy.

 

Most auto dealers will have full insurance coverage on your insurance policy, which is called a garage policy. If you sign something taking responsibility for the damages then you would be responsible for those damages. It’s up to you to reject or accept the offer of a test drive based on your knowledge of potential liability.

 

 

Full Coverage Car Insurance Question In Washington

Reader’s Question:

The registered owner of a vehicle is in a nursing home in Federal Way Washington state. The person has full insurance on the vehicle but cannot renew their drivers license. If someone else drives the vehicle with or without the owner in the vehicle, are they still covered?

Will

Federal Way, WA

If the owner of the car gives another person permission to drive their car typically it would be covered under their insurance. But one should always verify with the owner’s insurance provider before borrowing a friend’s car to make sure the policy would not exclude them for any reason.

If someone uses a person’s car without the owner’s permission it is unlikely that the driver would be covered if they get involve in an accident. Most insurance providers could deny a claim since the driver did not have the owner’s consent to be using the car.