Jones & Swanson

Who is Covered Under Your Car Insurance?

Attorneys Andrew Jones and Chase Swanson represent victims of Cobb County automobile accidents more than any other type of personal injury accidents. Because car wrecks are a specialty at Jones & Swanson, our attorneys, paralegals, and staff members are in constant contact with automobile insurance companies. This is how we attempt to recover monetary damages for clients who were significantly injured in auto accidents as a result of another driver’s negligence.

Unfortunately, it is often brought to our attention that clients and other drivers throughout Marietta, Kennesaw, and surrounding cities do not fully comprehend what their automobile coverage means. More often than not, Georgians elect for coverage that will cover others’ expenses in the event that the insured causes the vehicle. The insured often fails to include coverage to protect themselves in the event of a crash. For this reason, Jones & Swanson has made it a priority to educate our community about what automobile insurance should be carried at a minimum, as well as what different aspects of plans actually cover. Andrew and Chase have visited businesses within the Cobb County community to provide lunch while further educating workers of those businesses.

One topic that is not often considered until it’s too late is what happens when another person drives your vehicle. If that person is covered on your policy, you should have no problem. However, in the event that they are not on your policy, things can get messy. For instance, your nanny may drive your vehicle to take your children places during the summer. Or maybe a family member borrows your car for the week while theirs is in the shop. These drivers may have your permission, but that doesn’t mean they will be covered if involved in an auto accident while driving your vehicle.

The senior VP of Public Affairs for the Insurance Information Institute claims that this is generally not an issue as long as the driver has your consent and they are only using the vehicle occasionally. However, someone borrowing your vehicle for other reasons and longer amounts of time may be less clear and insurance coverage will be contingent on your auto insurance carrier and the policy you signed up for.

Even though the person operating your vehicle may have their own auto insurance, the vehicle owner’s insurance will probably pay damages first in the event of a crash. The insurance of the driver may cover some injury or medical expenses, or could potentially supplement your insurance plan if your coverage is maxed out.

To be safe, we suggest contacting your insurance agent about your personal automobile insurance coverage prior to allowing others to operate your vehicles on a regular basis. It is possible that the driver needs to be added to your insurance policy, which is not a difficult process. It is much easier to accomplish prior to an accident than dealing with potential problems after a crash occurs. Policy terms and laws vary by state and insuring company, so contact your agent prior to loaning out your vehicle. They are there to help, so take advantage of that aid.

For more information about automobile insurance coverage or to schedule a complimentary “lunch and learn” with Jones & Swanson at your business, contact our office today at (770) 427-5498. We would be happy to provide lunch for your office and answer any questions you may have.

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