Colorado CO Car Insurance Query

Reader’s Question:

I’m Antoinette and I just gave a thought about this recently. You see, i sometimes borow car from a friend. So, what if I got involved in an accident while driving somebody’s car in Coloradp, will my car insurance cover me? Please enlighten me. Thank you!

Antoinette

Colorado Springs, CO

Hi, Antoinette! Good thing that you become interested with things like that which are not really impossible to happen. Let’s face it, sometimes we go out and we can’t control situations liker driving other’s car and the trouble is when you encounter an accident.

Actually, it depends on the policy language of the vehicle’s owner. Most of the auto insurance policies in Colorado cover any authorized driver of the insured vehicle. It’s not a question if the owner was the one who drove the car or not. But that is unless the policy availed by the owner excluded the security of the driver, of course or again, unless the driver has stolen the insured car. Thieves were not entitled to enjoy the security benefits of the vehicle owner. When it happens, the owner should file a report of the theft case against the driver.

On the other hand, if you drive other’s car and the owner didn’t give you the permission to do so, well this will be a big problem in your part. The company might not shoulder any expense caused by the accident.

Sometimes, it depends not only to the insurance company but to the states where the insurance is enrolled as well. Just like my friend in Texas, he is insured through Progressive and it states there that anyone he allows to use his car will be insured. At the same time, his policy will also take care of him when he drive other’s car.
Anyway, calling your agent before driving somebody’s auto or letting somebody drive yours is a wise thing to do.