If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy. The claim would go on your insurance record and could affect your car insurance rates in the future.

Is the person turning left always at fault?

When it’s a left turn accident, the driver of the vehicle making the turn is almost always at fault. Like most laws, there are exceptions.

What happens if my wife is not on my car insurance?

If your wife isn’t on your car insurance policy because she doesn’t have a license, she could be listed on your policy as “unlicensed” and marked as unrated so she won’t affect your car insurance rates. Without a license, she should not be driving your car.

What does it mean if your spouse is not driving your car?

Exclusions state that the listed person will not be driving your vehicle, and as such, the driver will not be covered by your auto insurance policy. In other words, your spouse may be listed on your policy, but she will be excluded from the policy. Excluded drivers do not affect your auto insurance rates.

Can a spouse be excluded from an auto insurance policy?

Exclusions state that the listed person will not be driving your vehicle, and as such, the driver will not be covered by your auto insurance policy. In other words, your spouse may be listed on your policy, but she will be excluded from the policy.

Why do all drivers have to be listed on your insurance policy?

Why do all drivers who live in your household have to be listed on your insurance policy? Because auto insurance is a risk-based business; in other words, insurance providers want to know what risks are involved with insuring you and your vehicle. That means that they are going to need to know about anyone who may be driving your car.