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Question
I have Esurance, and my mother has State Farm. We both have full coverage on our vehicles. I was wondering if we had to use each other's car for a few hours if we would both be covered. Thank you.
Most likely yes.
The policy of each vehicle would cover the person driving it. Your auto policy will cover your mom when she is driving your vehicle and vice versa. This is the "normal" language of the auto policy, but your might be different.
Most auto policies define insured as just any person driving the vehicle as long as they have permission to do so. Now some insurance agents might exclude coverage for an specific driver. If the person in the specifically excluded then you will not be covered.
The best person to ask is your agent to be 100% sure.
Good luck,
Anne
http://www.auto-insurance-claim-advice.com
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Answers by Expert:
Anne
Expertise
Auto insurance claims regarding vehicle accidents, insurance coverages, auto policies, bodily injury claims, pain and suffering, injury settlements and negotiations.
Experience
I am an adjuster for injury claims and property damage claims for over 5 years (still working there). I have worked for personal injury attorneys helping consumers get a fair treatment and I am passionate to help others with their vehicle accidents.
Education/Credentials
B.A. Economics/ Political Science
Awards and Honors
I was the top settling claims adjuster at the Insurance Company that I worked for.
I am the co writer of http://www.auto-insurance-claim-advice.com a website dedicated to help consumers document their auto claims and navigate the complex claim process.
Past/Present Clients
I work with injury lawyers working on high dollar settlements and jury awards for pain and suffering see: Spokane Law Office.
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