Many people are not aware of what they risk by allowing someone who is not on their policy to climb behind the wheel, says Moraga. The first time many people find out they have a step-down provision is after someone borrows their car and causes an accident, he adds. "They will get a rude awakening."Whittle says it's up to consumers to be wise shoppers and understand what they are buying in an auto policy, so ask your agent if your policy includes a step-down provision.
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