Auto Insurance Nevada NV
Reader’s Question:
Will my insurance policy cover my vehicle if someone else drives it? I live in Nevada.
Jim
Las Vegas, NV
Normally, if you have a standard liability insurance policy your Bodily injury (BI) and Property damage (PD) extend to an individual that you let use your vehicle with your permission or consent. However these types of coverages do not cover your vehicle for damages it sustains in accidents, it covers others the property damages and injuries that your car caused.
To cover your own car you would need “full coverages” of comprehensive and collision on your vehicle. These physical damages coverages protect your vehicle when in a collision or comprehensive situation.
Generally, these coverages should cover your car if you give consent to someone else to operate it but insurance policy terms can vary so you would have to read through your policy and talk with your agent to make sure that collision, comprehensive and your liability coverages would all extend to those that you give consent to drive your car.
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