When obtaining a quote for car insurance, one of the first things an agent may ask involves the names of people living in a particular household. As such, we often have people ask us why they should add a person to their insurance policy if that individual does not drive their car. This is a legitimate question, and one that also has a very basic answer.
The law requires anyone who drives on public roadways to carry a minimum amount of coverage in the event they are in an accident. As such, insurance companies will attempt to provide benefits for everyone in a particular household so that everyone has the minimum coverage that is required. This is because it is very likely that people who are living in the same household might have access to one another’s vehicles and drive them at least occasionally.
Consumers sometimes claim that adding additional drivers is not necessary because they do not allow other people to drive their vehicles. In this instance, it is possible to exclude a driver by name on a policy. This would serve to protect a policyholder in the event an unauthorized person did wind up driving the car without permission and was subsequently involved in an accident. Even so, you should realize that this would only cover damage done to another, but would not provide coverage for your own vehicle.
You could be personally responsible if someone in your household drives your car who is not named on your insurance policy. Adding a driver is usually very affordable, and will provide you with peace of mind should that person wind up using your vehicle for any reason.
Get the coverage you need. Call Mitchell & Mitchell Insurance Agency at (415) 883-2525 for more information on San Francisco auto insurance.