This is a subject you need to cover with your insurance agent to make sure you understand your coverage. Mine are covered and as stated above you should have a signed agreement in place with the driver/drivers identified which included their responsibility and liability. I also bought the ****aid coverage and upped the limit on my umbrella policy. Your are never protected against negligence on your part and it is a right that you can't sign away.
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Life is to short to drink cheap wine.
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