I reside with my parents, who have their own insurance and rarely use my car. When I added them to my Progressive insurance quote, I picked the “list-only (has a separate insurance policy)” option. They rarely drive my car, so I am not sure what would happen if they borrowed it and got into an accident.
I asked a Progressive agent, who claimed that my insurance covers my vehicle but not them. I am still not sure how that works. Assume they rear-end another driver and are found at fault. I am guessing my insurance will not cover the liability because they were driving and are not covered? So, did their insurance cover the accident? Do I have to pay for this myself?
If they damage my vehicle while driving, would it be covered by my collision/comprehensive policy?
With Progressive’s “list-only” option, if your parents borrow your car and get into an accident, their insurance would cover the liability since they’re not covered by your policy. However, your collision/comprehensive coverage would still apply for any damage to your car. It’s best to double-check with Progressive for specific details on your policy.
If they were listed instead of excluded, they would still be covered because your carrier is aware of them and you gave them the information they asked for.
But if they start using your car frequently, you’ll need to grade them instead of just listing them.
Here’s how list-only work with Progressive: List-only work means you only have coverage for your vehicle when it’s parked and not being driven. It provides liability coverage for damage or injuries you cause if your car is stolen and gets into an accident, but no coverage for your own vehicle. With Progressive’s list-only option, you can suspend collision and comprehensive coverage when your car isn’t being driven, like if you’re storing it for the winter. This can lower your premium, but you’ll need to reinstate full coverage before driving again. Progressive requires a vehicle inspection when reactivating coverage. List-only work is a good option if you won’t be driving for an extended period to save money, but you’ll need to make sure you have the required liability limits in your state and consider the risks of your car being stolen or damaged while parked.
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I can provide you with a list-only option, unless you prefer to pay an additional $103. This would amount to an extra $17 per month over a 6-month policy, ensuring extra safety.
Liability Coverage and Drivers:
Listed (Not Covered): Adding your parents with the “list-only (has a separate insurance policy)” option means they are listed on your policy but not covered as drivers.
Accident Scenario: If your parents get into an accident while driving your car and are found at fault, your insurance would not cover the other driver’s damages (i.e., their car repairs, medical bills).
Their Insurance and Your Car:
Possible Coverage: In this situation, your parents’ own car insurance would likely be the primary insurance responsible for covering the other driver’s damages, assuming their policy includes liability coverage for driving other vehicles.
Financial Responsibility:
Ultimately Responsible: If your parents don’t have car insurance or their coverage is insufficient, you, as the car owner, could be held financially responsible for the damages caused by the accident. This is why it’s important to ensure you have adequate liability coverage on your own policy.
Damage to Your Car:
Collision Coverage: If your parents damage your car while driving, your collision coverage (if you have it on your policy) would likely cover the repairs to your vehicle, minus your deductible.
Recommendations:
- Review Your Policy: Carefully review your Progressive policy documents, specifically the section on listed drivers and coverage details.
- Contact Progressive: If you’re unsure about anything, call Progressive directly and clarify the coverage specifics for listed drivers on your policy.
- Consider Adding Them (Optional): If your parents borrow your car frequently, you might want to consider adding them as full drivers to your policy. This would provide them with liability coverage while driving your car, but it would likely increase your premium.