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Auto Insurance Claims/Borrowing the car

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Expert: - 5/14/2011


Question
My grandson who is 18 wants to borrow one of our vehicles to drive to work until he can get one of his own. We live in NC and he lives in VA. Would the vehicle be insured if, God forbid, he has an accident?

Answer
Hi Becky,

In order for your grandson to be covered, you would have to inform your insurance company that your grandson would be driving the car in another state. The policy would then be rated with him as the driver based on his driving record, age and the state he lives in.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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