Why It’s Important To Get Driver’s Insurance?

WHAT IS A DRIVER’S INSURANCE?

Driver insurance comes under your car insurance. When your car is insured the driver of the car is also insured. Hence, many people overlook this section (driver insurance). However, your car insurance policy may have some specific questions and if you don’t answer those questions, your car’s driver may not get any insurance coverage.

So, before getting your car insurance, you should know – why driver insurance matters!

WHY ITS IMPORTANT TO GET ONE?

1) To avoid medical bills.

Driver insurance like uber driver insurance usually covers the person who is driving your car. Now, anybody who is driving your car can meet an accident and you may have to spend a good amount of money on medical bills. This means, if your car insurance covers drivers, then you may not have to spend the medical bills. Your car insurance company would cover your bills.

2) To dodge unnecessary expenses.

Some car insurance policies allow you to choose the persons who will drive your car. There are two types of driver’s insurance – permissive and non-permissive.

Permissive driver insurance means you will choose the names of the persons whom you are allowing to drive your car. Non-permissive means when somebody is driving your car without your consent, the person would not be under the driver’s insurance policy.

For example – Your nephew is not a good driver and you don’t want him to drive your car. In that case, you won’t allow him to drive your car. So, if he meets with an accident, you don’t have to bear all the medical expenses.

The owner of a car, spouse, and close relatives come under the car insurance policy. But, you can keep some person’s names specifically off the driver insurance coverage list. So, when buying your car insurance, you should mention the names of the drivers. This step can save you money.

3) To get compensation.

Accidents can snatch away a driver’s life. But, if you have driver’s insurance, then you can claim compensation for the death (to some extent).

4) To become a legal driver in foreign countries.

If you want to drive a car in a foreign country, then you must have driver’s insurance. In the US, you may find some insurance companies that may help you to become a legal driver. Just read your policy carefully before signing under it.

KNOW THE DIFFERENCE BETWEEN AUTO LIABILITY COVERAGE AND MEDICAL COVERAGE

A driver must also know these insurance terms when it comes to driving. Auto liability insurance will cover the damages to the other vehicle and the driver of that vehicle. But, medical coverage is for your car’s driver. So, you should know – which fields are covered under your car insurance!

SHOULD YOU HAVE TO BE A LICENSED DRIVER?

Definitely yes, as mentioned on this page. If you want to enjoy the benefits of driver’s insurance, you must have a license to drive a car. Moreover, you should always get the permission of the vehicle owner before driving his/her car. Otherwise, the driver’s insurance policy won’t cover your medical bills.

Before buying your car insurance policy you should read it carefully. All car insurance policies may not be the same. Some policies may not cover driver insurance. Whereas some policies would give you some tricky conditions. Hence, check the driver insurance conditions before choosing your car insurance policy.