TUESDAY, FEBRUARY 23, 2016
We would like to recommend that you take time to read your policy contract or to contact your agent regarding changes to the definition of "insured" under the liability coverage. The definition is now stating that a permissive operator (someone you give permission to use your vehicle) and not an excluded driver will only have coverage under your insurance policy if they DO NOT have their own auto insurance policy. What this means that if the permissive operator causes an accident your insurance company is going to be looking for the driver's insurance policy to pay for liability damages. Should the permissive operator not have insurance then your policy will pay the damages.
It is advisable for everyone to have auto liability insurance coverage. If you do not own a vehicle and think you don't need insurance there are Named Non Owner policies available to provide you liability coverage while driving any non owned vehicle.