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While I can't drive, if my granddaughter chauffeurs me, is she covered by my insurance?
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[Q] I can't drive temporarily for health reasons. If I allow my 16-year-old granddaughter -- who does not live with me -- to drive me places, is she covered? What about me and my car?
[A] You're fortunate to have such a caring granddaughter. We're also here to take care of you -- and your car. Your MetLife Auto & Home auto insurance will cover you in the event of an accident, whether you're driving the car or your granddaughter is behind the wheel (with your permission).
But we should remind you that young drivers often lack critical on-the-road experience and, unfortunately, statistics show that drivers under the age of 25 have the highest rate of involvement in fatal crashes of any age group. To keep both of you safe, be sure to minimize distractions while driving. Consider turning the radio off and forbidding cell phone use, which is already illegal in many states. Be sure your granddaughter is clear about your rules, whether you're riding with her or not.
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Email it to us at editor@MetLifeYourLife.com. Or, write to us at: MetLife, Your Life, Dept. LN304, 1716 Locust St., Des Moines, IA 50309.
We regret that due to volume we are unable to respond individually to questions.
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