Who Is Covered When Driving Your Car?It can be confusing to understand who is covered to drive your vehicle. Though policies will vary, the general rule is that anyone living in your house is typically covered when driving your car, unless expressly excluded on the policy (see “Excluded Drivers” below).In many cases, everyone in the same household is actually required to be included on the vehicle’s insurance policy.For those friends or family members who don’t live with you but use your car every once in a while – you can typically loan them your vehicle and not worry that they’ll be covered.
Permissive use generally applies in these cases.Permissive use means that if you give another driver permission to take your car, they will be covered by your car’s insurance coverage.NOTE: Your own policy provides the primary coverage, not theirs. See below for more information.Car Insurance Follows the VehicleIt’s a common misconception that car insurance follows the driver. In reality, car insurance follows the vehicle.This means that if you loan out your car to driver who is not excluded on your policy (see “When Could You Be Held Liable?” below), your car insurance is the primary coverage that would apply if a crash occurred. The driver’s insurance would act as secondary (or excess) insurance.Let’s take a look at an example:Let’s say you lend your car to your roommate, Annie, for the day.
Annie hits another driver in the parking lot at her office.
Features: ● Build-in Bluetooth V2.0 hands-free call. ● Adopt 440 x 240 resolution full color 7-inch TFT display screen.
● One way video output, one way rear view video output, one way audio output. ● High definition FM audio function and 18 stations preset.
● Support IR wireless remote controller. ● Firmware update, 24 hours digital clock, date.
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● Support RMVB / RM / FLV / 3GP / MPEG / DVIX / XVID / DTA / VOB / AVI video file format. ● Support MP3 / WMA / WMV / OGG / APE / ACC / FLAC audio file format. ● Support JPEG / BMP / GIF / TIF image format scan. ● Support high capacity SD / MMC card up to 32G (not included), USB driver, MP5 player. ● Support the order of play / browse play / single repeat / random play / previous / next / fast forward / rewind.
● Electronic type bass / treble, left and right balance, front and back balance, volume control. ● Radio function, support for semi-automatic search / manually search for / frequency fine-tune. ● Power and memory function, memory power outages radio reception quality in / playback of the state. ● Variety of audio options: Jazz / pop / rock / classic and so on. ● Support subwoofer (left and right channel stereo).
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● Maximum power 4 x 45W, 4 channel powered power amplifier output can be accessed by four horn. ● Front and rear left and right / left and right channel isolation. ● Electronic seismic / over-voltage / over-current protection.
● Passport of restoring factory settings: 8800 Specifications: - Frequency response: 20Hz - 20KHz - Loudspeaker impedance: 4 - 8 Ohm Remote Control - Powered by 1 x 3V CR2025 battery ( included ) - Remote range: 5m FM - FM frequency: 87.5 - 108MHz - Sensitivity: 25dB - Selectivity: 60dB - Separation: 35dB.