So…Should You Let the Babysitter Drive Your Car?

Busy parents need help.  Their "to do list" is always a few pages long and getting out of the house – alone – can be challenging. That’s where the babysitter up the road comes in handy.  She’s reliable, the kids love her, and she cleans up after herself!  She’s been such a help that you’re thinking about adding more responsibility to her job. She can do the food shopping, run errands, or just get the kids out of the house for a few hours.  But she’ll need to use your car.  Sound like a good idea? Before your hand over the keys to your car, there are a couple of things to consider.  

Get More Information

Before you loan out your car to the babysitter, you’ll need to get more information.  Since it is your car, in your name, you hold liability.  No matter who gets behind the wheel of your car, your insurance policy is the primary coverage. That means you must be certain the babysitter is covered before she drives your car in Jacksonville, FL.  

Review Your Auto Policy

Take a few minutes to read over your auto policy, paying particular attention to exclusions or restrictions.  The babysitter would be considered a "permissive driver" in most instances, so look for any information on whether permissive drivers are covered.  If you’re still not sure, call your insurance agent, and they will be happy to assist you.  However, if you plan on lending her the car regularly, you may want to talk with your insurance agency about adding her as a listed driver.  

At Connect America Insurance Agency serving Jacksonville, FL, we can help you find the right auto insurance policy for your vehicle, and we would always are happy to answer all your questions about extending coverage.  Feel free to call Connect America Insurance Agency today to speak with a friendly agent.