casket-300x206Have you ever wondered who is covered by your auto insurance policy if you die?

Generally the auto insurance policy covers you, the Named Insured,  and any person you give permission to drive your car.  (Please see your actual policy for policy language and exclusions.)

You obviously will not be driving your car if you are dead!  Also when you are dead you cannot give anyone permission to drive your car.  So the question remains – Who is covered by my auto insurance policy if I die?

Here is the wording from an Erie Insurance Family Auto Policy explaining who is covered if you die:

If “you” die, the policy will cover:

  1.  “your” spouse if residing in the same household at the time of “your” death;
  2.  anyone having proper custody of an “owned auto we insure” until a representative is appointed, but only until the end of the policy period during which “your” death occurs;
  3.  “your” legal representative, but only while performing duties as “your” representative and only until the end of the policy period during which “your” death occurs. However, if “your” death occurs 30 days or less before the end of the policy period, coverage will be extended up to 60 days from the date of “your” death; and
  4.  any “relative” covered under this policy on the date of “your” death, but only until the end of the policy period during which “your” death occurs. However, if “your” death occurs 30 days or less before the end of the policy period, coverage will be extended up to 60 days from the date of “your” death.

To summarize what the policy says, your spouse is covered and your legal representative is covered only while performing duties to settle your estate.  No one else should drive your auto when you are dead.