Understanding Insurance Claims

Three Insurance Benefits You Should Have When Allowing A Sibling To Drive Your Car

When you get a new car you may be excited and your siblings may be excited for you. One of the reasons why they will be excited is at the prospect of you allowing them to borrow your new car. If you do intend to be generous and allow your sibling to drive your car every once in a while, you want to make sure that they and the cars are protected. Here are three insurance benefits that you will need to have when you allow your siblings to drive your car. 

Insurance for anyone who gets behind  the wheel

There are a lot of different clauses that are available when it comes to auto insurance. Some clauses specifically exempt certain people who live in your household from the policy. If you intend to allow your sibling to drive, you will need a clause that covers anyone who gets behind your wheel. Be sure to request this through your insurance company before you accept and pay a premium for any plan. With this clause, anyone who drives your car and gets into an accident will have the same coverage as you have. This will give you and your siblings assurance in the event of an accident. 

Roadside service with many options

If your siblings are not as responsible as you are, they may find themselves on the side of the road and in need of help at times. Roadside services can include bringing you gas if you find yourself on empty, unlocking the car door if you have locked the keys inside, or towing the vehicle if you caught a flat or worse. Selecting roadside service as a part of your insurance coverage will allow anyone who is in your vehicle to call in the event of an emergency. This will let your siblings call someone else to unlock the car door instead of having to interrupt your day in order to get back into the vehicle. 

Upgraded medical coverage amounts

One thing that you may want to do in order to protect your family is to have upgraded medical coverage in your insurance. In the event that the person driving your car gets into an accident, the auto coverage can sometimes cover the medical costs of the accident. To make sure that your sibling and parents do not have to pay out of pocket for any medical costs, which could cause family financial issues. Above adequate medical coverage on your auto insurance policy will be of benefit to your entire family.