Anamarie Waite, Car Insurance Writer
@anamarie.waite
Yes, someone else can drive your car and be covered on your Progressive insurance. If you lend your car to someone and they cause an accident, Progressive may cover some of the damages they’re liable for. However, coverage depends on the accidents, your policy’s limits, the specific damage, as well as other factors.
Your liability insurance, which pays for the other party’s injuries and property damage after an at-fault accident, always follows the car. If the person driving your car is insured, their policy may act as secondary coverage if they cause an accident that exceeds your coverage limits. But their insurance only kicks in after the limits of your Progressive policy are met.
Collision and comprehensive coverage from Progressive also follow the car, so you’ll have to file a claim using your policy to get your own vehicle repaired or replaced if someone else gets into an accident while driving it. But unlike liability insurance, collision and comprehensive won’t serve as secondary coverage. If the person driving your car wrecks it and you don’t have enough insurance to cover the repairs, you’ll end up footing the rest of the bill yourself. Other types of coverage, like personal injury protection and MedPay, always follow the driver.
It’s possible your Progressive car insurance offers less or no coverage for drivers not listed on your policy. A claim won’t be covered if the person should have been listed, for instance. If someone is living in the same household as you or regularly borrows your car, they should be a listed driver on your Progressive policy. It’s always best to confirm your policy details with a Progressive rep before letting anyone borrow your car.
People also ask
What happens if someone else is driving my car and gets in an accident?
If someone else is driving your car and gets in an accident, your car insurance will likely cover any resulting damage. Car insurance generally follows the car instead of the driver, so the car owner's insurance will cover the crash, even if someone else is driving. On the other hand, if your car is taken without permission or the driver is not licensed, the driver is responsible.
Insurance Options When Someone Crashes Your Car
... read full answer by Winslow Arizona, Car Insurance WriterDoes your car insurance and registration have to be under the same name?
No, your car insurance and registration don’t have to be under the same name. Although most states do not have this legal requirement, many insurance companies will not allow you to take out a policy for a car that is not registered in your name. Even if you do manage to get insurance, the claims process will be very difficult.
If you do need to insure a vehicle that is not titled in your...
read full answer by Anamarie Waite, Car Insurance WriterHow much does it cost to add a driver to car insurance?
Adding a driver to a car insurance policy can cost as little as $0 extra, or it can add as much as 100%+ to your annual premium. The exact cost of adding a driver to an existing policy depends on the person you’re adding, whether you need to insure an additional vehicle, and which car insurance company covers you. The riskier the additional driver is to insurers, the more it will cost to add them...
read full answer by Anamarie Waite, Car Insurance WriterDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.