- Totally get the paranoia—my M5 is basically my baby, and I’m picky about who even sits in it, let alone drives.
- Permissive use always sounds like a safety net, but honestly, it’s more like a spider web—looks sturdy until you actually need it.
- Had a buddy borrow my car once for a “quick run.” He got rear-ended (not his fault), but the insurance circus that followed? Nightmare. They grilled me about how often he drove it, whether he had a key, if he’d ever driven it before... felt like an interrogation.
- Adding someone is a pain, yeah, but at least you know where you stand.
- I do wonder, though—does anyone actually read all the fine print? I swear, half the time I’m just hoping for the best and crossing my fingers.
- At the end of the day, if it’s a car you care about (or one that costs more than your house to fix), probably better to be safe than sorry.
- Still, I wish insurance companies would just be straight with us instead of playing “gotcha” when something goes wrong.
I hear you on the fine print—honestly, I doubt most people read every clause, especially with how dense those policy booklets get. When I first got my S-Class, I skimmed the basics and hoped for the best, but after hearing a few horror stories (and dealing with a minor claim myself), I started paying a lot more attention. In Minnesota, permissive use is such a gray area. Technically, you're covered, but once there's an accident, insurers dig into every detail. Adding someone is tedious, but at least you avoid that interrogation if something goes wrong. For anything high-value, it just feels safer to bite the bullet and add them, even if it means a few extra forms.
Yeah, those policy docs are a nightmare—like, who actually reads all that legalese? I just got my first car and honestly, after seeing how picky insurers get, I’m leaning toward adding anyone who might drive it. The hassle up front beats the stress later if something happens... I’d rather fill out forms than argue with claims adjusters.
I hear you—those insurance docs are like reading a foreign language. I’ve got two teenagers and a spouse who all want to drive the family car, so I just bit the bullet and added everyone. It’s a pain, but at least I’m not sweating every time someone borrows the keys. Have you ever had a claim denied because someone wasn’t listed? I’ve heard horror stories, but I’m not sure how common that actually is.
Have you ever had a claim denied because someone wasn’t listed? I’ve heard horror stories, but I’m not sure how common that actually is.
It does happen, though it’s not super common—usually when someone’s a regular driver but isn’t listed. Insurance companies can get pretty picky about “regular use” versus the occasional friend borrowing your car. I’ve seen claims get messy if, say, your teen’s friend is driving and gets into an accident. Permissive use covers a lot, but not everything... and definitely not if someone’s basically living in your driveway. Adding family is a pain, but it’s the safer bet.
