“Baby you can drive my car
Yes I’m gonna be a star
Baby you can drive my car
And maybe I’ll love you”

Was Paul McCartney off his rocker when he wrote these lyrics.  Could Paul really give permission to his baby to drive his car?  What if his baby crashed his car?  Would his insurance cover the claim?  

In Maryland, car insurance follows the vehicle.   This means that if you loan your car, you loan your coverage.   A person not covered on your auto policy CAN usually drive your car without fear of your insurance company denying the coverage.  Of course, there are a couple of exceptions to this rule that may occur when the driver in question is a member of your household or does not have a valid driver’s license.

Let’s say Paul’s baby doesn’t have a valid driver’s license (we all know that someone without a valid driver’s license should not be operating a car)  If Paul’s not validly licensed baby crashes the car, then the insurance carrier is going to have some questions as to why she was driving it to begin with?!?!  This type of incident could determine whether your insurance company chooses to extend coverage to your vehicle or not, if an accident occurs.  Also, if Paul knowingly allowed someone with a suspended or revoked driver’s license to operate his vehicle, he could receive the same legal penalty as his “baby”.  

So…… what if Paul’s baby was really his baby…(youthful teenage driver).  Family members who are living with you such as your spouse and dependents who are of legal driving age are required to be listed on your car insurance policy.  Failure to have them listed can be seen as fraud by the insurance carrier.  The carrier might not provide coverage.

It turns out that Paul’s baby has a valid license & doesn’t live with him.  As long as Paul’s auto policy is valid and up to date (which I would be very surprised if it wasn’t since he has so much money), there should be no problem with coverage if “baby” happens to get into an accident or cause damage to other property while driving his car.

If I were Paul’s agent, I would recommend that he add another verse to this song.

“Baby do you have some PIP
Get it before your next trip
Baby do you have some PIP
Oh Baby, I Love you”

When allowing your “baby” to drive your car, it would be a good idea to inquire if they have personal injury protection (PIP) on their own auto insurance policy.  This form of coverage can pay for the driver’s medical bills, loss wages or even funeral expenses resulting from an accident even if he’s driving a car other than his own.  This type of coverage can lessen the financial hit to your insurance policy in the event the driver causes an accident where injury occurs.

If you should have any questions with regard to your car insurance, please feel free to give us a call.  We will be happy to go over your policy in more detail.  Our agents can be reached at 410-877-0017.