2008-07-28

How to Know if You Are Covered Under a Family Member's Car Insurance

Today, many families own more than one car. Since insurance companies usually track the driving history of the registered car owner before selling an insurance policy, some families register all of their cars under only one name. The names of other family members are then added to the policy in a practice that is legally accepted and saves money on car insurance costs. Are you part of a family that owns more than one car and registers the vehicles under one member s name? Here's how you can find out if your name is included in the policy and you have adequate insurance coverage.


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Step1
Ask everyone in the family if the cars are insured under a single name.


Step2
Request that the registered policy member notify the insurance company to add your name to the policy before you drive any car.


Step3
Call the insurance company to confirm that your name has been added to the policy and clarify if you can drive any of the family cars with adequate coverage under the policy.


Step4
Get a copy of the policy and check all the names. Make sure your name has been added correctly.


Step5
Check the type of coverage extended to you comprehensive, liability or collision. In some cases, you may not be covered comprehensively. You may want to talk with the insurance company about what this means to you as a driver.


Step6
Drive the car only after receiving confirmation that your name has been added. It's always a good idea to keep a photocopy of the policy with you when you drive.






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