Generally, if you loan your vehicle to someone to drive it on a limited basis, your insurance coverage will protect the driver to whom you lent the vehicle. However, there are some scenarios where your insurance company may deny coverage. For example, if the person to whom you lent the vehicle is specifically listed on your policy as an “excluded driver”, then no coverage will be afforded. Additionally, if a person took your vehicle without your permission and then caused an accident, your insurance company will likely not provide any protection to that driver. Your insurance policy provisions will dictate whether insurance coverage is or is not applicable when someone else is driving your vehicle. Accordingly, you should become familiar with your insurance policy provisions regarding this issue before lending your vehicle to anyone. If you have any questions regarding your policy, ask your agent and/or call an attorney at Dougherty, Leventhal & Price, L.L.P. (DLP) for a free consultation.
Dougherty, Leventhal & Price, L.L.P. (DLP) represents seriously injured and catastrophically injured victims of auto accidents, bus accidents, SUV accidents, motorcycle accidents, truck accidents, bicycle accidents, pedestrian accident and tractor trailer accidents (including work accidents) throughout Northeastern Pennsylvania, including the Counties of Lackawanna, Luzerne, Monroe, Pike, Wayne, Wyoming, Sullivan, Montour, Lycoming, Schuylkill, Tioga, Bradford, Susquehanna, Northampton, Carbon and Columbia. These accidents often occur on the interstate corridors and state highways that run through Northeastern Pennsylvania, including I-81, I-80, I-380, I-84, I-180, SR 61, the Casey Highway, the I-80 Corridor and the Northeast Extension of the Pennsylvania Turnpike. Some of the representative municipalities in Northeastern Pennsylvania where these accidents occur include Scranton, Wilkes-Barre, Honesdale, Hazleton, Moosic, Dunmore, Old Forge, Williamsport, Tunkhannock, Towanda, Stroudsburg, Bethleham, Berwick, Bloomsburg, Pottsville, Kingston, Milford, Mansfield and Wellsboro. We at DLP represent serious and catastrophically injured victims of truck accidents, tractor trailer accidents, bus accidents, motorcycle accidents, automobile accidents and SUV accidents to get them the money and justice they deserve to compensate them for their injuries and damages. If you are involved in an accident anywhere in Northeastern Pennsylvania, call an attorney at DLP as soon as possible after the accident for a free, no-obligation consultation.
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E-mail: John Finnerty