Yeah, I get why you'd be skeptical—insurance companies love their upsells. But honestly, listing occasional drivers can save you headaches later. Even if your friend has their own insurance, coverage specifics can get murky real fast... better safe than sorry, imo.
"Even if your friend has their own insurance, coverage specifics can get murky real fast... better safe than sorry, imo."
Exactly this. I've handled way too many claims where people assumed their friend's policy would kick in seamlessly—spoiler alert: it rarely does. Insurance companies love their fine print, and trust me, they know how to use it. Listing occasional drivers might feel like an annoying upsell, but it's a small hassle compared to the headache of sorting out liability after the fact. Seen it happen too often... just my two cents.
Yeah, learned this the hard way myself. Lent my car to a buddy once, thinking his insurance would cover any issues. Turns out, his policy had some weird clause about borrowed vehicles, and mine ended up footing most of the bill. Definitely not worth the risk to save a few bucks. Curious though, does anyone know if adding occasional drivers bumps your premium significantly, or is it pretty minimal?
Yeah, totally get where you're coming from. I added my younger brother as an occasional driver last year, and honestly, the premium bump wasn't too bad—maybe an extra 10-15 bucks a month. But it really depends on their driving record and age. If they're younger or have tickets, it can spike pretty quick. Still beats the headache of dealing with insurance loopholes after something happens... learned that lesson myself too.
Yeah, I completely agree with being cautious about lending your car out. Even if the premium increase isn't huge, it's still worth considering carefully. A friend of mine lent his car out casually, thinking it'd be fine since the other guy had his own insurance... but after a minor fender-bender, things got complicated quickly. Turns out coverage specifics can vary widely between policies and insurers, so double-checking the fine print beforehand is definitely wise. Better safe than stuck in paperwork later...
