Just because you pay for your Pennsylvania car insurance every month does not mean you have taken the time to sit down and read your policy word for word. If you have gotten a chance to sit down and read through some of your policy booklet, chances are you only go through the first page of the booklet and gave up quickly. It might seem like insurers are purposely trying to confuse you with all of the awkward phrasing and the technical terms used. If you are wondering if your vehicle is covered when anyone drives it, paging through your policy booklet may not give you a direct answer. If you are ready to find the answer read on and get a straightforward explanation to who is and is not covered when driving your insured vehicle.
PA auto insurance laws require all drivers with a vehicle registered in Pennsylvania to carry auto insurance to drive on public roadways. When you are reviewing your auto insurance policy, you will find a section entitled “Listed Drivers”. Under the listed drivers category you will find all of the drivers who are rated on your policy. “Rated” means that these are the drivers the insurance company considers when calculating your Pennsylvania car insurance rates each term. If the driver has an accident, the rates on the policy will go up. Each of the drivers under the listed drivers section of your policy are covered without question.
Permissive Users and What That Means
Now that you understand how listed drivers can affect your rates you need to move on to understanding what exactly permissive user means. If you open up your policy, it will explain that permissive users who are not listed as drivers are covered up to specific liability limits. In most cases, this means that you give a friend or distant relative permission to drive your vehicle on a rare basis. These are not individuals who live in your home and if the person lives in your home they should be listed to prevent any complications if you ever have to file a claim. You should ask your agent if the company reduces liability limits when a permissive user has an accident. If this is the case, the driver is only covered for the state minimums in liability if they cause injuries or damage.
Restricted Drivers or Excluded Drivers
The only time when a driver is not covered is when you restrict the driver on the policy. In most cases, you restrict a driver when they do not drive your vehicles and the insurer wants to rate them as a listed driver. If you sign a restriction, the driver will not be covered until you specifically have them listed.
You should now understand the basics of who is covered when you allow people to drive your vehicle. If you have a policy that offers drop down liability coverage for unlisted drivers, it might be time to start requesting Pennsylvania auto insurance quotes from those who do not drop down the cover.