If My Mother Gives Me Permission In Writing To Drive Her Car Out Of State, Am I Covered By Her Insurance Automatically Or Do I Have To Be Added To Her Policy?

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   Darald Novak AAI

   Retired Agent and Broker, Self Employed, Albany NY USA

   Her auto insurance policy will have to be examined in order to determine the answers to your questions. The insuring agreement sets forth and defines who is an insured. Without reading the contract of insurance, anyone is only guessing at the answers. Consider the following: Do you have an auto insurance policy of your own of which you are a named insured? Are you a resident of your mother's household or do you reside on the same premises? Is her auto available for your regular use? Is her auto insurance in force? Are you paying her to drive her vehicle? These are just a few of the things that can be addressed through your inquiry. A competent and knowledgeable agent or broker can read her policy, read yours - if you have a policy, and give you answers and advice regarding what coverage you would have and what coverage you would not have (from either policy) should you operate your mother's vehicle.

   Answered on June 9, 2017

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