Many Connecticut drivers assume that if someone else drives their car, that person’s insurance will apply in the event of an accident. In most situations, however, it’s actually the vehicle’s insurance policy that provides primary coverage — not the driver’s.
Understanding how coverage works before lending your vehicle can help prevent costly surprises.
How Auto Insurance Coverage Works in Connecticut
In Connecticut, auto insurance typically follows the vehicle rather than the driver. This means that if you give permission for a friend or family member to drive your car, your auto insurance usually covers accidents that occur while they are behind the wheel.
However, this coverage is not unlimited and depends on the terms of your policy, the relationship of the driver to you, and how the vehicle is being used at the time of the accident.
When Coverage May Be Limited or Denied
There are several situations where coverage issues can arise. Claims may be denied or reduced if the driver lives in your household but is not listed on your policy, if the vehicle is being used for business purposes, or if the person regularly borrows your car.
Insurance companies often view regular or ongoing use differently than occasional borrowing. Failing to disclose frequent drivers can create gaps that aren’t discovered until a claim is filed.
Why Liability Limits Matter
Connecticut drivers should also understand that liability limits follow the vehicle. If an accident causes damages or injuries that exceed your policy limits, you could be personally responsible for the remaining costs.
This is one of the most common reasons drivers face unexpected financial exposure after lending their vehicle, even when permission was given.
How Umbrella Insurance Can Provide Extra Protection
Higher auto liability limits or an umbrella insurance policy can help provide an additional layer of protection. Umbrella coverage extends beyond standard auto and homeowners insurance limits, offering valuable protection in serious accident scenarios.
For Connecticut drivers with higher assets or greater risk exposure, umbrella insurance can be an important part of a well-rounded insurance strategy.
Review Your Policy Before Lending Your Vehicle
Before letting someone else drive your car, it’s wise to review your auto insurance policy. Understanding who is covered, when coverage applies, and where limitations exist can help you make informed decisions and avoid financial stress after an accident.
Have Questions About Your Auto Insurance Coverage?
If you’re unsure how your current policy applies when someone else drives your vehicle, the team at Petruzelo Insurance can help. We’ll review your coverage, explain your liability limits, and make sure you’re properly protected under Connecticut insurance requirements.
Contact Petruzelo Insurance today for a coverage review and peace of mind before the unexpected happens.