Cincinnati, OH is a great place to drive and there is a  lot to do and see. You know you need insurance to drive legally, but you may not remember all the rules, especially if you’ve been driving for a while.

Once you purchased your auto insurance from  Advantage Insurance Network, you probably didn’t look at your policy again. When your friends ask to borrow your vehicle, you need to know if the damages will be covered if there is an accident. 

The general rule is that the insurance follows the vehicle, not the driver. That means that usually damages are covered no matter who is driving. 

When You’re Not Covered 

There are several circumstances where you probably won’t be covered in the event of a crash:

• Your friend doesn’t have a legal right to drive. It may seem silly to check your friend’s license status, but you could end up paying if you don’t. 
• You didn’t give permission to the person driving your vehicle.  For instance, your son could allow a friend to drive your car without your knowledge or permission.  Or you could lend your vehicle to someone who lets someone else drive it.
• The car was driven recklessly, such as at a very high speed. 
• The car was used to commit a crime. Insurance companies will want to distance themselves from criminal activities. 

You want to follow the rules driving in Cincinnati, OH, and meeting insurance requirements is one of the most important rules of all. If you want to see if you can find a better policy to suit your needs, or if you have any other questions about your policy, please feel free to call Advantage Insurance Network today.