Who is an additional insured?

What qualifies as an additional insured on a car insurance policy? Is it just another driver on the policy?

“An additional insured on a car insurance policy is a company or person who has partial ownership of the vehicle.
While this could be an additional driver on the policy, it’s usually a cosigner or leaseholder. When listed on an insurance policy, an additional insured has a right to the payout or any losses if a vehicle is totaled.
If the vehicle is leased, your insurance company would typically pay out the actual cash value of the vehicle directly to them as they are entitled to the money.
An additional driver on a policy is someone who is covered under your insurance when driving your vehicle. Typically they are someone who lives with you and frequently drives your vehicle.
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Emily Maracle
Answered on Aug 19, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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