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Who is covered in my auto policy?
To avoid the risk of nullifying your insurance contract, all licensed drivers in your household, and the true principal driver must be declared. Any licensed driver driving with your permission is covered in your auto policy. And remember - your insurance goes with your car, so if you lend your car, you also lend your insurance. Don't do it lightly - if the person who is using your car causes an accident, it will go on your insurance record and your premium (what you pay for your insurance) may increase as a result.
Should I make a claim with every loss?
Although this is a very personal decision, before making a home insurance claim consider the cost of the damage compared to your deductible. If the difference is negligible, you may choose not to make a claim, especially if it meant losing your "no claim discount" (if offered by your insurance company). Losing your no claims discount would increase your premiums.
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