Stonewall Grace Insurance understands that car owners in Buena Vista, VA, have been getting confused about who is covered in their insurance policy. Whether the insurance company follows the car or the driver has been a major issue of discussion. Without a detailed understanding of the auto insurance policy, it is worth noting that this issue has been confusing.

If you drive someone’s vehicle, your coverage depends on whether you have consent from the owner. That is why you need to understand permissive and non-permissive use. 

Permissive Use

Most of the auto insurance companies will cover the driver who is listed on the insurance policy. However, in the last few years, some insurance companies have expanded this policy to cover drivers allowed to drive the car by the owner.

Therefore, if you’re driving someone’s car with their permission, you will be covered by the auto insurance policy. However, it is essential to understand that some insurance companies may provide reduced coverage. 

Non-Permissive Use

When driving someone’s car, you need to understand the policy of non-permissive use. If you take the car without the owner’s consent, the auto insurance company will not cover any personal injuries or associated liabilities.

The same is treated as an incident where a thief steals the car and ends up colliding with other motorists and damaging properties. The car owner is not held liable. However, the owner of the car has the right to claim the damages to his car to cover for the vehicle repairs.

At Stonewall Grace Insurance, we’ve been dealing with the issue of permissive and non-permissive use in recent times. If you live in Buena Vista, VA, you can visit our offices if you have experienced such a scenario. As highlighted above, our insurance experts will take you through the process of permissive and non-permissive use and give you a reliable solution.