Florida Auto Insurance and Secondary Drivers
Your Florida auto insurance policy has rules covering secondary drivers–the other people who operate your vehicle when you aren’t behind the wheel. Do you know who is covered and who isn’t when it comes to your car? What does your Florida auto insurance policy say about secondary drivers?
It’s very important to know the exact wording of your Florida car insurance policy. Never assume you know who is and who is not covered by your auto insurance policy. It’s sometimes a simple matter of knowing what your Florida insurance policy defines as an insured driver under the rules of your insurance.
Some policies are called “permissive use policies” and in cases like these your car insurance covers anyone who drives the vehicle. But other auto insurance Florida policies have tighter restrictions. Those who live with you and share your home may be covered by your car insurance while others are not.
Did you know some Florida insurance policies with permissive use clauses may cost more depending on the driving records of those you live with?
You may feel the need to sign a waiver or deny Florida car insurance coverage to those who cause your rates to increase. Ask your Florida insurance agent for more information on such waivers.
