The winter holidays brings guests from near and far. Do you have guests staying with you this holiday season? Perhaps you have crazy guests like Aunt Bethany from National Lampoon’s Christmas Vacation who doesn’t remember how to say “Grace.” Or maybe you spend the holidays in a Chinese restaurant after your plans go all wrong like in A Christmas Story! You might even spend the holidays alone in New York at the Plaza Hotel like in Home Alone 2: Lost in New York (which is also my favorite holiday movie!)
Today is December 1st and the countdown to the holidays and the family guests begins! If your holiday visitors want to take your car, be weary. What happens if he or she gets into an accident? Encharter Insurance’s own Erin B answers your question: If someone drives your car, with your permission, then your Massachusetts Car Insurance should cover the accident. If the accident was very large or involved a lawsuit, your limits may be met. If this were to happen, then the driver’s insurance would kick in and take over for the extra coverage. You should be careful about who you let drive your car, however. If the individual does not have adequate insurance (or if he or she has no insurance at all) and your limits are met, you could face legal charges! Additionally, the points for the accident will follow the driver’s driving license but your car was still involved in an accident. Therefore, a claim would be filed on your policy and you would lose your loss-free credit, which could increase your premium in the years to follow! Talk to your Massachusetts insurance agent about your MA Auto Insurance policy and how you can keep yourself covered during the holiday season.
Photo: movies.yahoo.com
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