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?

  1. 1866 POINTS
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    Paul RothPRO
    Senior Commercial and Annuity Specialist, Freedom Brokers, Marion, Carbondale, Harrisburg IL
    I have to ask a few questions first. How old are you? Do you live with your mother? Are you a college student that lives away from home, and want to use the car occasionally? Until the agent finds out those questions, it is difficult to get a blanket answer that works for everyone. For instance, if you are 35, and live in Iowa, and your mother, 60 lives in Nebraska. You are visiting your mother in Nebraska, and she wants to go see Uncle Todd in Kansas. You should be able to borrow the car, and be covered.
    On the other hand, if you are 16, live with your mother, 40, and you are not listed on the policy, you are walking a dangerous road. One of the questions on most insurance applications is "are there any other drivers in the household not listed on this policy?" If you are 16 and your mother did not list you as a driver, she would not be telling the truth on the application. That could be a fraudulent application, and not only would the insurance company not cover a loss if you are driving, your mother may be committing a criminal offense, insurance fraud.
    Answered on April 28, 2017
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  2. 730 POINTS
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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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