Here is a scenario that happens more often than most people realize. A family member needs to run a quick errand. A friend needs to borrow your car for the afternoon. A neighbor asks for a favor. You hand over the keys without thinking twice — because they seem like a responsible person and you trust them.
Then they get into an accident.
You call your insurance company, expecting them to handle it. And they tell you the claim is denied — because the person behind the wheel did not have a valid driver’s license…