Insurance Usually Follows the Vehicle
It’s important to understand that the first loss from an auto crash is the vehicle itself. This is what our coverage policies base themselves on and make replacing or repairing our cars easier. You might think that you don’t qualify for insurance benefits since you’re not an authorized driver on your grandmother’s policy, but that’s not the case.
Since car insurance focuses on the vehicle, coverage extends to you as well if you had permission to drive it. So, if you get struck on the way to pick up grandma’s prescription, you can file for coverage under her personal injury protection policy that’s required by the state.
It’s important to understand that if you regularly drive this car, your grandmother needs to put you on her insurance. One-off occasions to the store or work are one thing, but trying to save money by not adding you onto her policy opens you both up to possible claim denials. Consider speaking with an experienced car accident attorney about your situation to understand what your rights are after this type of accident.