What if you are insured on a car but a named driver has an accident will it effect my personal insurance quotes in future if i get insurance of my own?

Cars & Vehicles
Auto Insurance
Auto Insurance Claims
Insurance

Hi;

The answer in Ontario Canada, is yes. I believe the Canadian AND US insurance industries are united within this circumstance. The policy holder is responsible for everyone he/she accepts as second/subsequent drivers. If however YOU are the second driver named on a insured policy, and you opt to carry your own coverage, then it will not affect you as you are not the policy holder. A word from the wise. If you do not own the vehicle involved in the collision, then you are not held responsible as such.

If you really want it from the horses mouth, call your provincial/state insurance association. They have ALL the rules, and will probably be happy to send you a brochure of the r and r's.

Best regards,

Unidrv.

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