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.
Can Washington State College Student Use Auto Insurance Out Of State?
Reader’s Question:
My son is in college in the state of Massachusetts but has a Washington state driver’s license. He is planning to buy a car but still undecided where to make her permanent address. He wants to get a policy also and still planning to stay in MA for 5 months. What can he do?
Lara
Thank you for asking Lara.
If your son is going to purchase a motor vehicle, he needs to have it registered and drive it in Massachusetts then she should get a MA car insurance policy to cover the motor vehicle. If she moves to another state after 5 months then she can register and insure the vehicle in her new state of residency.
Your son can also obtain information on how to register a motor vehicle in Massachusetts by contacting the MA Registry of Motor Vehicles. In addition to that, he may also get information from the RMV if she will need to switch her Washington State license for a Massachusetts driver’s license after she graduates from college since he may then be considered a resident of MA.
Goodluck!
MariCAR
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