Question about Broad Form Car Insurance -- Viking Ins.?

Question about Broad Form Car Insurance -- Viking Ins.?

My mom has broad form insurance with Viking, and she wants me to drive her car during a move to another county.Doesn'-t her car insurance only cover HER as a driver, not other people driving her car?I have car insurance on my own and my daughter'-s vehicle. They said other licensed drivers can be covered while driving my car. But this doesn'-t cover me to drive someone else'-s car, because I don'-t have broad form.Do I have this info correct?Thanks~


Dweeness,I'm an insurance adjustor for a major company.Good news/ Bad news...The good news, is virtually all auto insurance policies (written in broad-form or otherwise) cover an unlisted driver driving the car, so long as the listed driver acknowledges he gave the unlisted driver permission.So if your mother gives you permission to drive her car, and you have a license, you are golden...if you wreck the car, or damage another car, her policy will cover you as if it was her driving.HOWEVER, here's your concern......most insurance policies ALSO have an exclusion for driving the car more than "x" number of miles across the border of the United States (on many policies, it's 30 miles, so people can travel to border tourist sites like Niagra Falls and Tiajuana without concern)...but if you're going deeper into Canada/Mexico than 30 miles, or if you're going overseas and ferrying the car, odds are your policy has an exclusion somewhere in the fine print about it.Contact your mom's Viking agent, whose job it is to know the answer to such concerns, and as two simply worded questions so he knows exactly what you're asking him...#1- "If my mom lets me drive her car and I'm in an accident, is everything covered as it would be if she was driving?"#2- "Does my mom's car have coverage if I drive it outside the USA, and if so, how far outside the USA?"...hope that helps.



Popular Q&A

Is my Indiana auto insurance valid in other states?
Your insurance is valid in all 50 states (even though it is very doubtful that you will drive to Hawaii). As long as the car is legally registered, and the policy is in effect, you are fine.Source(s):30 years in the auto business

Whats a great for a 17 year old?
Depends on your budget. Like the guy above me said. If your in the 2-4k range go with a mid-late 90's civic. They're great cars. If your in the 5-8k range you get a lot more choices such as a Mazda3, RSX, an Impreza, maybe even a 3-Series. If you're in the 8-12k range you could get a Kia Forte...

What is the number to USAA's ceo or a VP?
Wow, a bit arrogant, aren't we?Must be nice thinking you're important enough to bother the CEO and/or VP of a company that size.The only reason you had it handled by the VP, is because they're too busy to deal with people like you, so they went ahead and just agreed with whatever you wanted...

Are my car insurance payments reported to the credit bureaus?
Why don't you check your own credit report for free at You can print your real credit report out once a year from each bureau and it will show who you made payments to, etc.Credit Karma probably got you confused with somebody else because you do not have any older...