Who is covered driving my car?

By
Services for Real Estate Pros with Allstate

Most of the major well known Insurance Companies allow for permissive use of your automobile. That simply means that anyone is covered driving your car as long as they have permission to use the car. This question often comes up because most insurance companies will print a line on the policy declarations stating the rating characteristics of the policy. It will say something like married male ages 25-49 or something similar, however this is just a statement of how the policy is rated, not a finite statement of who is covered driving the car. There are some companies that do exclude drivers, but these are typically the companies that are considered non -standard carriers. As always, you should always check with your insurance company and agent to find out exactly what your policy says, as there are companies that make exceptions to what normally applies. 

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Tags:
auto insurance
allstate insurance
rutledge insurance
barrington insurance
allstate barrington il
car insurance
permissive use
julie a

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Anonymous #1
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Victor Shaver

With Allstates permissive use policy I have on rare occassions let my neighbor drive his wife to the doctors.

However, recently he has told me that he was required to carry an SR-22 here in california for a previous

dui that he had had.  If he were to get in an accident would Allstate terminate my insurance because of his

SR-22?  Or does it require that his SR-22 be primary?  Is there a conflict?

November 10, 2009 11:43 AM
Anonymous #2
Anonymous
Anonymous

Well, I am not a spokesperson for the company I work for, but if they knew that he was a regular driver of the car and currently had a suspended license it would probably be a problem, but more than likely that sort of thing would not come up.

November 10, 2009 12:29 PM
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Rainer
11,657

Philip Rutledge

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