Call Us (909) 391-9500 ☰ ˟
Logo
Get a Quote Call Us (909) 391-9500
  • Home
  • Get A Quote
    • Automobile
    • Business & Commercial
    • Earthquake
    • Homeowners
    • Insurance
    • MotorcycleImage of right arrow
      • Motorcycle Insurance Quote
      • Motor Home Insurance Quote
    • Renters
    • SR-22 Insurance
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Request Declaration and Coverages Page for Auto Policy
      • Send Declaration and Coverages Information to Lien Holder
    • Business & Commercial
    • Homeowners
    • Motorcycle
    • Renters
  • Blog
  • Make a Payment
  • Resources
    • Refer a Friend
    • Important Links
    • Insurance Glossary
  • About Us
    • About RANA Insurance
    • Location Map
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Quote Now Learn More
Homeowners Icon

Homeowners

We browse through a wide variety of coverages and find the right one for you.

Quote Now Learn More
Business Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Quote Now Learn More
Motorcycle Icon

Motorcycle

We browse through a wide variety of coverages and find the right one for you.

Quote Now Learn More
SR-22 Icon

SR-22

We browse through a wide variety of coverages and find the right one for you.

Quote Now Learn More
Home > Blog > Are Spouses Automatically Covered Under Auto Insurance?
WEDNESDAY, AUGUST 4, 2021

Are Spouses Automatically Covered Under Auto Insurance?

Many people decide to share vehicles with their spouses and other family members within their household, whether it’s for simple trips to the store or commuting between work and school. But it is important to consider whether those you are allowing to operate your vehicle are actually covered or if you are running the risk of paying for an accident out of pocket. 
car key with insurance tag on it
Permissible Drivers 
Permissible drivers are those you allow to operate your insured vehicle. In general, anyone you allow to operate your vehicle should be covered under your auto insurance policy—including spouses. The more people sharing your vehicle, however, the more you may pay for auto insurance. Insurance agents should know who is allowed to drive your vehicle to make sure that those people are covered if they sit behind the wheel.  

This is not the same as having drivers listed on your policy, however. 

Listing drivers on your policy can guarantee that they have coverage, but it can also mean affecting your car insurance rates. When you add someone to your auto insurance policy, their driving record and credit score are also taken into account and can raise your car insurance rates. This is because you and your spouse will now share the level of risk while operating under a single auto insurance policy. It is important to understand what may affect your auto insurance rates so that you are not surprised by a sudden increase after adding your spouse to your policy. On the other hand, adding a spouse with a better driving record or higher credit score can actually help save you money on car insurance. 

Excluded Drivers 

Excluded drivers are the one exception when it comes to permissible drivers. Insurance providers may offer you an auto insurance policy on the condition that you do not let certain people operate the vehicle. These are called excluded drivers and will not be covered under your auto insurance policy if you give them permission to drive the vehicle. 

Excluded drivers are typically those who are considered too high a risk to insure, such as if they have a poor driving record or significantly low credit score. If your spouse is an excluded driver, they will not be covered under your auto insurance policy even if you give permission to drive the vehicle. For example, if your spouse is listed as an excluded driver and causes an accident while operating your vehicle with permission, none of the damages or injuries may be covered. 

Posted 11:41 AM

Tags: car insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2021
  • 2020

  • insurance(7)
  • coverage(4)
  • auto(3)
  • car(2)
  • home(2)
  • requirements(1)
  • homeowners(1)
  • motorist(1)
  • renters insurance(1)
  • flood insurance(1)
  • belongings(1)
  • safety(1)
  • vehicles(1)
  • dryer(1)
  • new(1)
  • damage(1)
  • appliances(1)
  • drivers(1)
  • home insurance(1)
  • motorcycle(1)
  • employee(1)
  • motorcycle insurance(1)
  • clothes(1)
  • policy(1)
  • flood(1)
  • uninsured(1)
  • car insurance(1)
  • commercial(1)
  • commercial auto insurance(1)
  • renters(1)

View Mobile Version

Contact Us Today!
(909) 391-9500

Social Social

Resources

  • Get a Quote
  • Customer Service
  • Payment Options
  • Report a Claim
  • About Us
  • Refer A Friend
  • Blog
  • Contact Us

Contact Us

118 W Holt Blvd
Ontario, CA 91762

P: (909) 391-9500
© Copyright. All rights reserved. | Powered by Insurance Website Builder