Adding Persons to Your Auto Insurance Policy

 
When you get an auto insurance policy you have certain people that you know you have to add to it. You know that you have to add in your spouse, and you know that if you have children under the age of 18 on your policy, but what about people who work for you? What if your babysitter drives your children anywhere – do they have to be added to your auto insurance policy as well?
 
That depends on how much driving your babysitter does, but most often the answer to that is going to be no. Most people have their babysitter drive here and there but nothing for an extended period of time. If this is not the case then you might want to consider adding her if she is driving your car a lot and driving your children a lot of the time. Auto insurance coverage is designed to cover the car, so when she or he is driving your children or just your car, she is covered under that policy.
 
But your babysitter must have permission obviously to drive that car. It is always a good idea to have your babysitter carry a note from you on her or him when driving the car so that if they are in an accident you won’t have to worry about a hassle. The letter should have your signature and a copy of your auto insurance card with it stating that they have your permission. You can also keep these items in the glove box in case you forget to specifically hand it to them each time they leave. If they are in an accident in your car with your permission, then your auto insurance company will be considered the primary coverage for the accident. If your babysitter has auto insurance as well, it will be considered secondary to yours.

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