Understanding the Family Purpose Doctrine
The family purpose doctrine is a special legal provision that allows insurance policy holders in some states to extend their insurance policies to cover others in their family who use the same vehicle. This can save individuals considerable amounts of money by not requiring each member of a family to buy a separate insurance policy for a shared family vehicle.
Contact the Chicago auto insurance experts of Insure on the Spot at 888-972-SAVE for more information regarding your policy options if you need insurance coverage that works well with your entire family.
Family Purpose for Illinois
Each state makes its own decisions and regulations regarding the family purpose doctrine and other insurance rules. This means that the way Illinois treats the family purpose doctrine will not necessarily reflect the policies in neighboring states. Family purpose works in Illinois in the following ways:
- Illinois does not use the family purpose doctrine
- Liability applies to the driver of the vehicle, not the owner
- Passengers are partially liable if they do not help avoid collisions
Although state law does not provide for the family purpose doctrine, certain insurance policies may be friendlier to the needs of large families than others.
Contact Us
If you need a new insurance policy for your family vehicle, we may be able to help you find the policy that works best for you. To learn more about your insurance policy options and how we can help you, contact the Chicago auto insurance experts of Insure on the Spot today by calling 888-972-SAVE.
