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Yes, an uninsured driver can drive your car if the uninsured driver is given permission to use the vehicle and the car’s insurance policy does not forbid such activity. If the uninsured driver crashes the insured car, your standard policy limits will usually apply. You and the uninsured driver will be responsible for any damages beyond your policy limits.
The details of car insurance policies vary, but most insurers cover occasional use by a non-listed driver as long as the owner allows it and the driver has a valid license. This is referred to as “permissive use.”
A thief taking your car for a joyride is not permissive use, however. You should always file a police report if your car is stolen because it proves that it was not permissive use, meaning you are not responsible for any damage.
Some car insurance policies, especially those for high-risk drivers, have “named-driver exclusions.” This type of insurance policy only covers drivers who are explicitly listed on the policy. Another variation is a “step-down policy,” which has reduced coverage limits and types of coverage when a driver who is not listed on the policy uses the car.
Car insurance companies generally require every driver in the policyholder’s household to be listed as a named driver, with the exception of roommates in some cases. Specific individuals can be excluded, but if an excluded driver crashes the car, the insurance company will deny the claim.
Regular drivers who are not family members should also be listed on a car insurance policy. For instance, if a caregiver or a live-in nanny uses your car several days a week, you should communicate with your insurance company to ensure they are covered.
Finally, for drivers who do not have their own vehicle but borrow cars frequently, a non-owner policy is a smart investment. With a non-owner policy, drivers do not have to rely on a vehicle’s insurance coverage. For more information, check out WalletHub’s tips for finding cheap non-owner insurance.
People also ask
Does car insurance follow the car or the driver?
Car insurance follows the car, not the driver, in most cases. There are a few situations where car insurance follows the driver, though, such as when the car’s insurance limits are exceeded, in which case the driver’s coverage can be used to fill in the gaps. There’s also some disparity from company to company – your policy might provide less coverage for other drivers, or even no coverage at all.
It’s advisable to review...
read full answerCan someone drive my car and be covered on my insurance?
Yes, someone can drive your car and be covered on your insurance if you give the driver permission to use your car and they are not excluded from your policy. Car insurance typically follows the car, not the driver, so your policy will still apply if the person using your car gets into an accident. This is often referred to as permissive use.
When Permissive Use Does Not Apply
- You have a non-standard auto insurance policy that excludes anyone...
Do I have to add my teenager to my car insurance?
Yes, you will likely have to add your teenager to your car insurance when they first get their permit and start driving. Some states - including Illinois, Indiana, Maryland and others - allow insurance companies to require that customers list a teen driver on their policy when the teen receives a learner's permit. However, different insurers differ on when you have to start paying extra for them.
The bottom line is that you should...
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