Dear ,
We hope you’re doing well! In this edition, we want to clarify how car insurance covers permissive users in Connecticut.
What is a Permissive User?
A permissive user is someone who has the owner's permission to drive their vehicle. Understanding the insurance implications is essential for both parties.
Key Coverage Points:
- Owner's Insurance: If a permissive user is driving with the owner's consent, the owner's car insurance typically covers them. This includes liability for damages or injuries caused in an accident.
- User's Own Insurance: If the permissive user has their own policy, it may provide additional coverage, often acting as secondary insurance.
- Exclusions: Be aware that some policies may have exclusions. For instance, coverage might not apply if the user is not listed on the owner's policy or is using the vehicle for commercial purposes.
- Collision and Comprehensive: If the vehicle is damaged, the owner's collision coverage would usually cover repairs, while comprehensive coverage handles non-collision damages.
Stay Informed!
We encourage you to review your insurance policies and consult your agent for any questions. Understanding your coverage can help you avoid surprises on the road.
Thank you for being a valued subscriber! If you have any questions or topics you'd like us to cover, let us know.
Safe driving!
Best,
George W Page Jr.
President
Page Insurance, Ltd
(203) 453-5258
Click HERE to schedule a 15 minutes call with me!
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